Here in The Netherlands banks used to offer authenticator devices, which they are phasing out (you can still use them, but they wont replace them once they run

Here in The Netherlands banks used to offer authenticator devices, which they are phasing out (you can still use them, but they wont replace them once they run out of battery). Pretty much all banks switched to app-only. No SMS at all (which is not surprising, because SMS is not secure). Also, IMO fingerprint/face-based authentication is much nicer/quicker, especially for online payment flows like iDEAL (Dutch predecessor to Wero). And banks here work on GrapheneOS, so not much is lost.