All or most Finnish banks use an ~8 digit account ID and a 4-6 digit one-time password from a slip of paper that has 80 to 300 of them. Some have a separate PIN

All or most Finnish banks use an ~8 digit account ID and a 4-6 digit one-time password from a slip of paper that has 80 to 300 of them. Some have a separate PIN/password too. For confirming large transactions (>5000 or 10000 eur) there's a separate phone call or SMA verification. Nowadays there's apps for 2FA instead of always requiring the use of a one-time password. My corporate bank account still uses the paper backed one-time passwords though.