Not disagreeing with you in general, but: > The readers for my bank even have a screen, that tells you what you are signing, like a login, or transfer of which

Not disagreeing with you in general, but: > The readers for my bank even have a screen, that tells you what you are signing, like a login, or transfer of which amount to which bank account. That's information that could and should also be included in the SMS. The OP's bank did not do this, which is a huge fail on their part.