As to the bank issue, I think they "fixed" that in Belgium. Logging in is still an annoyance, but I atleast feel pretty safe with it. To log in on the site, yo

As to the bank issue, I think they "fixed" that in Belgium. Logging in is still an annoyance, but I atleast feel pretty safe with it. To log in on the site, you need to do the following steps: * Load site and type in card number (this is mostly a pain, but if needed you can make your browser remember the number) * The site provides you with a "challenge code", in the case of my bank an 8 digit number * You take a little machine provided by your bank, it looks basically like a calculator of sorts * Slide your card in the machine * Enter challenge code and your pin in the machine when asked for * Machine returns a number which you then input on the site * Click login This challenge code is different every time, the only (big) downside is always needing the machine when doing online banking. However, I feel that's a small price to pay given that once logged in you can make transactions, something I wouldn't trust much if there was only a password with silly restrictions. Also note, you have to repeat the challenge->machine->reply action when signing transaction you enter online.