this post was submitted on 29 Oct 2025
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2026 is the year of the Linux phone
More like 2026 + 10, Linux phones are severely lagging behind, enough so that they are at least 10 years away from having enough adoption for banks and the like to recognize their existence, the annoying truth is that it cannot be mainstream until it is able to use these critical apps with no workarounds as "it works but isn't allowed" will be the death knell of any amount of mainstream appeal.
I'm so tired of hearing people cry about banking apps. If you've got a working web browser you'll survive.
or do the smart thing and don't do banking or other incredibly important stuff on a device that is easily stolen
How do you deal with 2fa? For capital one in particular, I don't believe there is an option not to use their app, and the other banks that I use are in the same boat or adamantly recommend to use their app.
Text, email or authenticator.
first of all, you can bank in a browser on a mobile phone just fine. second of all, don't do your banking on your phone. that is a horrible idea and is one of the reasons mobile phone theft is so lucrative, because people are so obliging to keep their entire financial information downloaded to a single device.
[Citation needed]
The most common reason for mobile phone theft is to wipe it and sell it, or just dismantle it for parts.
No common thief is going to be trying to break into an iPhone's security system to get to someone's banking data.
They don't need to break into it to steal your data if they swipe it out of your hand, which is usually how it happens.
Even if they manage to keep the phone unlocked, and even if they manage to get to a safe spot before I am able to lock the device remotely, they still can't access any banking applications because they require the PIN/biometrics to get in, even on an unlocked phone.
do you know how to use Tor? if so, I can point you towards some tutorials on how to steal data from banking apps on an unlocked phone. best of all, it can be done in a matter of seconds.
this is why the feature to wipe stolen devices remotely exists on both Android and iOS devices.
Anything is possible with enough time. Which is why you force log-off all your apps and remote-wipe the device if your phone gets stolen.
It's amazing how Americans love poking their nose into everyone else's affairs yet can be so oblivious. For some people a phone is literally the only device they have, they can't do anything else.
How do you deal with 2fa? For capital one in particular, I don't believe there is an option not to use their app, and the other banks that I use are in the same boat or adamantly recommend to use their app.
I don’t understand your question. Why would 2FA be a problem? Every password manager supports it. I almost never use my mobile for 2FA, unless I’m away from my laptop. As for Capital One, you can log in using the website from any browser.
Furthermore, since Linux phones run Linux, there’s nothing stopping you from running Android apps on Linux phones.
If their bank is anything like my bank, you NEED to have the mobile app installed to login with for online banking.
The standard for banks like capital one is, in order to login in a browser you must use their app 2fa, they do not support third party 2fa methods, and their app doesn't work under compatibility layers. That last part may come with a workaround, but my earlier point is that the normal end user wouldn't feel comfortable using such a thing if it is not officially allowed.
They also claim you can use 2fa by SMS, but that is first and foremost wrong since it isn't an option for payment portals, and secondly insecure.
A normal end user wouldn't be using a Linux phone.
I guess it is a matter of semantics at this point, but i take the year of the Linux phone to be when a phone running a Linux os is viable for the masses, which as my original message states is at least 10 years out.