I've opened an X-bank account and I have tried to confirm my phone but instead of an sms with the code I've first got a call where a stupid voice just told me numbers I was not ready to write down, so that I had to try to remember them but didn't manage to, so when I've input the code on x-bank account it was wrong. Later the SMS arrived as well but at this point there was no way to input the code again in the x-bank. If I try to get another code to verify, I just get an "INTERNAL ERROR" message. Not very user friendly.