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In Europe at least the banks website won’t function if you don’t auth with their app.
by CalRobert 2mo ago
In Europe at least the banks website won’t function if you don’t auth with their app.
- jraph 2mo agoI live in Europe and I can use my bank just fine without their app. I've read somewhere that some banks will let you use their SMS 2FA as long as you haven't already used their mobile app.
- CalRobert 2mo agoCool, good to know. When I first moved to Ireland you could get a hardware code generator too but I don’t know if that’s still a thing
- Anonyneko 2mo agoStill a thing with some of the Finnish banks, as I've recently learned. In my bank it costs ~20€ - unless you can't physically use a smartphone, in which case it's free. But you kinda have to know that it exists.
- jraph 2mo ago> unless you can't physically use a smartphone Like, because of a disability, or because you don't have a smartphone? In the latter case, would it work to just go to the bank with a dumb phone?
- Natfan 2mo agoor if you work in a highly controlled location like a prison, and aren't ale to bring in a mobile phone
- Anonyneko 2mo agoI think it's either. With Nordea, it's seemingly based on whether you are already using the mobile ID app or not. They also have a different "Talk Device" that is specifically meant for people with disabilities and such, which is supposedly free to get once (80€ for replacements), but the page doesn't specify who can order it.
- dingaling 2mo agoI use my bank's card reader to authenticate in the hopes that it will signal a need to keep supporting it. But the vast, vast majority of people just use a banking app so I fear it's a lot cause.
- thorin 2mo agoBarclays use both the physical hardware code generator in the UK as well as a virtual version in the app. The Bank staff also use the same physical hardware in the branch so I guess it will stay around for a while.
- inigyou 2mo agoProbably if you threaten to close your account they'll also change it. But you have to be willing to actually close your account.
- DavideNL 2mo agoI also live in Europe, and can use my bank in a webbrowser. I used their App previously, and can just switch back to using the website, after authenticating via both sms and e-mail.
- severino 2mo agoIn Spain at least you can. I know 4 or 5 banks that let you auth via SMS, coordinates card, etc. If yours doesn't, I suggest that you complain. Some colleagues had to call theirs and insist that the bank's application didn't work on their phones. Reluctantly at first, they eventually changed their method to SMS.
- nickjj 2mo agoThe interesting thing about SMS is this isn't always usable while traveling. For example my phone provider has really overpriced international fees ($10 / day) so instead I use an eSIM which usually only comes with data. That means I lose the ability to use text messages or phone calls for any form of verification. A number of banks and other sites also block Google Voice / VoIP numbers.