My Swedish bank offers two methods. One is the nationwide e-identification system called BankID - used for loads of commerce/governmental/identification/authent

My Swedish bank offers two methods. One is the nationwide e-identification system called BankID - used for loads of commerce/governmental/identification/authentication in Sweden - which requires Internet access and works on computers as well as smartphones. The other method uses a discrete HOTP-type device (with a personalized login card) which accepts a challenge code from the bank login page and outputs a digested authentication response. As far as I know, all major banks in Sweden offer both or at least one of these two methods. In the past a lot of banks here used OTP scratch cards, and would automatically send you a new one in the mail when you used one of the 10 last codes or so on the card.