4 ms·
For my bank (Nordea in Finland), it's numeric user id + single-use 4-digit code (on a physical card; they automatically mail you a new one when you're starting
by akx 13y ago
For my bank (Nordea in Finland), it's numeric user id + single-use 4-digit code (on a physical card; they automatically mail you a new one when you're starting to run low on codes) to log in to net banking. A random one of ~30 multi-use verification 4-digit codes is then used to confirm a transaction.
In addition, the Nordea mobile app uses a request to activate a single 4..8-digit password for read only access to your information. (I may have reverse engineered the app a tiny little bit to find this out. The underlying HTTPS API is, as one might imagine from a banking app, terrible.) Beyond that, you still need the above login procedure to do writes (transactions) with the app.
- enqk 13y agoNordea's finnish service was the simplest, most comfortable service of all the (4) european banks I've tried. And I liked that their service is not fancy for fanciness' sake. (In terms of the way the website looked and functioned) Not anymore a customer, unfortunately.
- akx 13y agoI agree. The competitors are starting to pass Nordea wrt technology though -- I've only heard good things about OP-Pohjola's Pivo app (https://play.google.com/store/apps/details?id=fi.op.android.lompsa https://play.google.com/store/apps/details?id=fi.op.android....), and apparently Danske Bank has some sort of analytics built-in to their webapp nowadays too. That said though, I'm so happy Nordea finally added free TSV export of bank statement data. I rolled my own analytics script in Python based on that... :)