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All very fascinating, but none of that really answered the question?
I use Face ID but I only use it with the phone in the house. So if I want to access the desktop site it wants Face ID but doesn’t for my wife so I think they have added extra checks
So when you originally said "Now I can’t log in asks for Face ID only available on the app", what you actually meant was "I can log in but it asks for Face ID"?
So the desktop site worked without Face ID on my main phone until a few weeks back. It now wants approval via the app (no use of your spare phone is at home) seems to be extra checks
How often do you use the desktop site when you're not at home?
Not often I set up another bank to use the Apple Pay. However if I need to access those savings when say shopping I can’t. So a bit of a pain as I have to budget more before I go out. Perhaps having a small number of savings in my new bank would work better.