The web has no app lock. Its Preferences hold Appearance, Hide amounts, Money in colour, AI features and Usage analytics.
The apps
Settings
The app lock, appearance and money’s colours, AI features, usage analytics, help, the app’s version, and signing out.
On the phone, tap your picture on Home. On the web, Your account in your menu: Edit your profile (your name, where you live, deleting your account), Set your preferences, Manage subscription, Connect your AI tool and Export your data. How the app looks applies to that device only; AI features follow your account.