I've used the same bank since 1999, and their internet bank has always been stellar. In the beginning you logged in with your id and a PIN and you had to have a

I've used the same bank since 1999, and their internet bank has always been stellar. In the beginning you logged in with your id and a PIN and you had to have a personal browser certificate. Since then they've added an additional one-time code, and you can also log in with something called BankID which is a national electronic id system. So it's secure, works in all browsers, and gives you choice in how you want to log on. And on top of that, the actual service is great, paying bills is easy and free, opening accounts and moving money between accounts is instant and free, transferring to other banks or other people is free (but takes time), automatic bill payment is easy and free. And the other banks in my country aren't bad either, competition forces all of them to be secure, free to use, and easy to use.