With currently available payment standards, it's like asking for a live credit card with someone else's private key and an open debug port, all at the same time. Things don't work that way.
If the King of England walked into the Bank of England and wrote a hand-written bond for GBP1k with a bic pen on back of copier paper, they'll take it. Electronic platforms has nothing to do with that. That's why it's stupid to keep asking if banking apps would work.
what has gone wrong in your brain that you think that?
I'm referring to the pugnacious tone, but the certainty in the absence of evidence is also a bit gauche.
So you know, chazza banks with coutts. I reckon he could draw much much more, over the phone or in person, and wouldn't be put on hold or asked security questions. If you also happen to be the head of state of several nations and have your face on the coin of the realm, and your experience is contrary, then please do rebut my assertion.