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At least in Germany, many banks still offer alternatives. You’ll need to buy dedicated hardware like a chipcard reader. Alternatively, keep a cheap smartphone

• rwl 4mo ago
  Right, I suppose this is theoretically possible here too (I'm in Austria), though I haven't looked into it that carefully, because all the options here seem to cost more than my current bank account and as far as I can tell still require a smartphone. I wouldn't necessarily mind a dedicated piece of hardware, but if it's dedicated hardware, I feel like the bank ought to provide it, not make me pay for it. And I'd much rather it be a generic piece of hardware that can also be used as a second authentication factor for other things, like a Yubikey. I've looked around but have not found any banks that offer this. The only one I had heard of no longer offers it.