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Two-step on email, a password you don’t reuse, a lock screen and a SIM PIN, and the order to follow if the phone is gone. Email is the front door to the bank and to social apps.
In a Google study, device prompts blocked over 94% of phishing takeovers and 100% of automated ones. Prompts beat text-message codes. Start with email.
A lost phone still has a SIM. Someone can move that SIM and receive your codes. A SIM PIN stops that at the moment they move the card.
The order is: suspend the SIM, lock the phone remotely, change email and payment passwords from a computer, file a police report, then freeze cards if you need to. You can call the carrier from a borrowed phone.
A password leaked from another site can open your email. Once email is open, every account that recovers through it can fall together.