Access to a bank account cannot be achieved using only a phone number, as it is protected by two-step verification such as a face scan or a PIN/password. However, junior accounts may face additional verification challenges because minors often use a birth certificate instead of a national ID for registration. As a result, they may not be able to fully verify a phone number on their own, and in most cases, the number is verified through a parent’s or family member’s identification to ensure both security and proper account authentication.