Just to point out if anyone else is reading this thread - make a note of all your banking app details (PIN, memorable info ect). Don't do what I have just done; factory reset my old phone, open up all the banking apps on your new phone only to find that it requires all of your secret information and PIN which I only held on my old phone!
I did a £30 shop at Tescos last night and of course didn't take my actual card. Went to scan my phone to pay and it wouldn't work. I'm now trying to reset my PIN through the web, and it says I can't log in until they send me a verification text to my phone, which hasn't come through after 25 mins. AAARRRGGGGGHH