How do you guys navigate online banking etc?

I'm from the UK, currently in Bali.

I got a notification from my phone provider that I'd hit some kind of cap they didn't specify over the text, so I tried to log into my phone app to figure it out. The app just straight up refused my connection, which after looking online seems due to my location, as they block all non UK traffic, which seems weird. Tried using a tool that when I specify what it is my thread mysteriously doesn't post on this sub, but that also got flagged.

So I set up a voip and gave them a call. Only I failed security because I couldn't remember the answer to a security question I set up 15 years ago lol. So now I have to wait 24 hours to call them again.

Then I tried to do something super basic on my online banking, which got flagged and disabled my online banking entirely, so I spent over an hour on the phone again sorting it out. They actually told me over the phone that I would need to come into a branch in person with ID to sort it out, but after some explanation for how that wouldn't be possible and a small amount of essentially begging I was able to basically read them information off my passport. That got fixed at least.

So turns out traditional UK banks/whatever aren't super friendly towards DNs, especially in this part of the world, who knew. I feel like I can't be the only person dealing with this bs, so I'm just curious what you guys do here?

Specifically interested in the setup other Brits are using, but any insight is welcome.