I just realized that this forum addresses UK issues. I'm in the US. I had discovered, although it's been about a year, that paying UK merchants via PayPal (from my computer) was not possible unless I temporarily disabled two-factor security. I haven't tested this recently. Of course it's extremely unfortunate if the mobile app continues to be crippled for users in the UK. As I probably stated in my original post no app on a mobile device connected to a financial institution account should be accessible without two factor security enabled.
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