Characters and stuff automatically insert on my message as I type when it recognises the
word or words in another language.
Other phones sometimes have slightly different keyboards.
Mine has a icon which you press, allowing the message to be translated into your choice of language as you type.
Grammaretto
Online banking is 100% safe, after all it's in the bank's interest to have multiple safeguards and security in place as they would have to reimburse you. I trust online banking implicitly and you can keep an eye on your expenditure on a daily basis plus much much more.
You can even keep your store and loyalty cards on your phone so you never need to actually carry your cards.
If you're at all interested, your bank can explain and show everything in detail over a drink of tea, coffee or hot chocolate. 