Smart Phone - recent, good working use (Bradford on Avon BA15)

HI Everyone!
I recently lost my phone!
My very old replacement smart phone has broken, and I am debilitated in this modern world!
I am currently only have a low income and am shocked at the current prices of smart phones! I will save up for one, but meanwhile an old one would be great!
***Looking for capability to run current banking apps (like Monzo, Santander), email, etc, etc, (up to about 3 years old?)***
I can collect from the whole area, travelling by by bicycle, and train as necessary immediately (Saturday afternoon)
WIth gratitude
From Sara Leigh