Aye that too. ****s use them for credit cards too, and the phone probably has an entry for Mr Barclay Card which is a badly concealed PIN code.
Especially when they have a bit of paper with the phone number and bank card pin written on it. Yeah, those are the really stupid ones <cough>
I ran out of routes a few years back so I've had to start repeating them, not happy with the situation tbh
I have a plain black phone cover which also provides a handy slot for my debit card the PIN of which is also the unlock code for the phone. Once the phones unlocked I have the same PIN to access my bank account app. I have a little sticker on the back of the case with the PIN written on incase I forget which would be pretty lousy as it's the year England won the world cup.