Every bank in Germany (that I know of) uses TAN lists. They mail you a list of generated numbers, and for each transaction, you need to enter one of those numbe

Every bank in Germany (that I know of) uses TAN lists. They mail you a list of generated numbers, and for each transaction, you need to enter one of those numbers, which is then consumed. No fancy gadgetry required. Just a sheet of paper gives you all the same security advantages.