@bdw, not accessing my accounts would make me extremely grumpy !
I had made the mistake to attempt to "enhance my experience" with the HSBC authentication app when it went out, which I found out the hard way couldn't update from overseas (at least back then). And no update, no access to accounts as the updates are pushed rather than pulled.
I was travelling back home for a month and couldn't afford to wait.
I called my RM in HK, she reverted me to the old security dongle which she overnight DHLed at my place. The following morning I had regained access to my accounts.
I still use these dongles, I feel they are less prone to failing than mobile apps. For one thing, they don't update. You're a super tech guy so I appreciate you prefer newer technologies .