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The problem with credit cards in Germany is that they don't use 2FA. It's the same old signature system. Even online transactions don't require 2FA.
by denzil_correa 11y ago
The problem with credit cards in Germany is that they don't use 2FA. It's the same old signature system. Even online transactions don't require 2FA.
- germanier 11y agoIt depends on where you get it. Some banks (most notoriously almost all Sparkasse) only give out chip+signature cards. But chip+PIN cards are common as well, just like "Verified by Visa" and such systems.
- denzil_correa 11y ago> Some banks (most notoriously almost all Sparkasse) Coincidentally, I have a Sparkasse credit card without chip+pin. Regardless, there shouldn't be a choice for 2FA.
- mafribe 11y agoThat really depends on the specific bank. I've got a debit card from a Sparkasse with Chip+PIN and 2FA for online transaction for quite a few years.
- denzil_correa 11y agoThe discussion was on "credit" not "debit" card. The "debit" card for Sparkasse does have 2FA but the TAN based 2FA is atrocious. You need to carry a separate device, match diodes to your screen code OR insert at least 4 sets of numbers before you get your 2FA code. Yes, I know you could use SMS but it isn't the best idea particularly if you are traveling. Finally, is the EC Maestro card from Sparkaasse really a debit card? A lot of online merchants would not accept it.