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I have no idea how much money I have currently as I can't access FD and I don't want to have to restore back to iOS 14 haha. I can't even login using the web as it requests a code from the app.
Lol. My beta testing habits are exactly why I’ve kept the code generator device separately, instead of migrating to my bank’s app for that as well
 
This is happening whenever I tap on a wallpaper. Just a bit random
 

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Give it a little bit of time. More than likely, you aren't seeing it because Apple's servers are getting hammered. Not uncommon for the phone to say "No updates available" when there actually is a firmware update available when servers are severely under load.

UK here. Nearly downloaded. OTA
 
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