is there anyway you can bypass otp on holders phone ??

pretty hard to do just avoid vbv anyway

i m interested to if anyone can by pass OTP

Your most realistic path is to call the bank and change the phone number on file. For that, obviously you'd need a fullz with the security answer. Don't be discouraged though; security questions aren't always very hard to answer (hint: social media, ancestry, etc).
Good luck.
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One of the way is to replace the ownership of the number to you. It is possible if you have the id of the phone number owner, meaning you have someone in the telco . It's risky and can't do in bulk.

You can try with sim swappin https://txgate.io/images/smilies/wink.gif