I 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

I 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.