I bought a new phone just to use the Public Bank apps.. MBSB bank also same, need to use new phone

Maybank and CIMB don't need to use Android 10 and above

After buy new phone, Maybank and Public Bank need to go ATM to verify and there's cooldown of 8 or 12 hours, can't remember

CIMB don't need to go ATM but have cooldown period also