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Maybe it's different in the US, but in many EU banks you now have to use the app for 2FA. Some banks offer alternatives but many don't.
by geremiiah 2y ago
Maybe it's different in the US, but in many EU banks you now have to use the app for 2FA. Some banks offer alternatives but many don't.
- jqpabc123 2y agoAnd when your phone dies??? I'm not aware of any US bank that *requires* an app. This rules out access from a desktop doesn't it?
- cesarb 2y ago> And when your phone dies??? You use the same procedure you used to register that phone, to register a new one. > This rules out access from a desktop doesn't it? Using the phone for 2FA means you are accessing from a desktop, and using the phone only as an extra confirmation for the transaction.
- evgen 2y agoYou can also get a mobile PIN device from the bank that uses the chip in your card to authenticate access and transactions. This infra has been around for a while and predates using your phone for this step in the transaction process.
- jqpabc123 2y agoYou use the same procedure you used to register that phone, to register a new one. May not be possible if you need your old phone to login. This reminds me of Internet Service Providers who direct you to get support online when failure to get online is the very reason why you need support.
- prmoustache 2y agoIt also happpens when ordering stuff online depending on the level of security used by the online shop. If your phone die, you replace it or do your operations at the ATM or at the counter during opening hours.
- jqpabc123 2y agoIf your phone die, you replace it or do your operations at the ATM or at the counter during opening hours. Replacing it is the problem. This can't be done at an ATM and if you're on a trip or you use an online bank, a counter may not be available.
- prmoustache 2y agoBanks don't like you to go their office so in my own experience of replacing a smartphone I could activate the app on a new one rather easily.