This will depend on your phone and OS. We take security very seriously and we have taken the decision that we will have multi-factor authentication built-into the process.
Before you can access the app you do need some security. Your dozens app will have not just transactions, but also potentially investments and savings information. We have a pin-code system which works in most cases in partnership with built-in biometric security so you can also link with fingerprint and facial recognition. If, as with my own personal phone, you don’t have or use these, then we will need to use SMS for the authentication.
You do not need to get an SMS every time, but when you do a major update you will clear your authenticated session settings and may need to confirm your access.
I will try to write a fuller explanation on our own community shortly to explain the process and reasoning in more detail. Of course we are happy to get feedback on this from users (hence the testing).
I hope you’ll give it a try and let us know what you think (I’m sure you will)