SMART PHONE - working well! (Bradford on Avon BA15)

HI Everyone!
I recently lost my phone on a busy day after my [part time] work!
My very old replacement smart phone has broken, and I am debilitated in this modern world!
I recently moved into an unfurnished flat, with high expenses, and currently only have a low income (due to physical limitations & need to start a new line of work) 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
ps:
Next week, Mon - Fri, I will be volunteering at a local charity 0830 - 1700 , but have a post room in the communal building for deliveries!