logoalt Hacker News

lrvicklast Saturday at 11:42 AM1 replyview on HN

I do not have a smartphone and have had no problem being a customer of multiple top banks. They strongly _encourage_ you to use apps, but if smartphones are against your unspecified religion, alternative paths always appear.


Replies

cromkalast Saturday at 1:06 PM

In EU? For internet banking you need a mobile phone or a dedicated hardware token (thing you own), as part of the Strong Customer Authentication (SCA) requirement under the PSD2 regulation: https://ec.europa.eu/newsroom/fisma/items/658958

I know in some countries (UK, Germany, Switzerland, Austria) they're used to hardware tokens already since they were in use long before PSD2. But I seriously, seriously doubt banks in e.g. Poland specifically implement support for hardware tokens issued to very few annoying customers who refuse to use an app but otherwise want internet banking.

show 2 replies