I used to have one from BNP Paribas in France. But they've phased that out to improve my security by using their app. Which was fine, since I didn't need to car

I used to have one from BNP Paribas in France. But they've phased that out to improve my security by using their app. Which was fine, since I didn't need to cart that fob around. But then they went and improved it even further for my company account by switching from the app to SMS.