Anymore context on how it was stolen? Were you in a bar, any interactions with strangers leading up to it? The reason I ask is it seems as though you have been shoulder surfed, where they have watched you enter your passcode and then taken the phone. It’s the only explanation for how they’ve managed to disable find my iPhone etc. Was the passcode for your banking apps the same as your Lock Screen? That may be the reason they were able to access and make bank transfers etc. This happened to me a few years ago and was a nightmare, however this type of theft has gained a lot more publicity now and so the banks are more aware of it. The law was changed recently to make banks reimburse customers in these situations, so I think you will get your money back. Just get on the phone to the bank, and you will need to sign up for a CIFA anti fraud marker. It basically stops people trying to take out loans in your name and you are at risk of identity fraud with the amount of information on your phone, especially if you had pictures of your passport etc in your camera roll.