Some banks offer independent physical two-factor authentication devices. ING: https://www.ing.nl/particulier/digitaal-bankieren/mijn-ing/scanner-aanvragen http

Some banks offer independent physical two-factor authentication devices. ING: https://www.ing.nl/particulier/digitaal-bankieren/mijn-ing/scanner-aanvragen https://www.ing.nl/particulier/digitaal-bankieren/mijn-ing/s... HSBC: https://www.expat.hsbc.com/ways-to-bank/online/secure-key-faqs/#gettingstarted https://www.expat.hsbc.com/ways-to-bank/online/secure-key-fa... Bank of America: https://www.bankofamerica.com/security-center/online-mobile-banking-privacy/usb-security-key/ https://www.bankofamerica.com/security-center/online-mobile-... It may be easier to switch banks to one with a supported solution that fits your lifestyle than rely on a workaround that would raise suspicion. And you'd be voting with your wallet.