In The Netherlands you can go with a bank like ABN that issues you a dongle called the e.dentifier. It looks like this: http://thumbs.dreamstime.com/z/dutch-ide

In The Netherlands you can go with a bank like ABN that issues you a dongle called the e.dentifier. It looks like this: http://thumbs.dreamstime.com/z/dutch-ideal-paymentsystem-using-e-dentifier-netherlands-offers-merchants-real-time-payment-method-publicized-as-low-cost-34257435.jpg http://thumbs.dreamstime.com/z/dutch-ideal-paymentsystem-usi... To make an online transaction with it you insert your debit card into it, enter a random sequence of digits displayed on the bank website as well as your PIN in the dongle to get a sequence of digits that you enter into the dongle again. I found it annoying to have to carry this device everywhere in case I needed to make a bank transaction, so I went with the only bank in The Netherlands that does TAN codes, ING. Every 6-8 months or so I'll get a sheet of 100 TAN codes in the snail mail, I'll OCR the full sheet with offline-enabled Android app whose name I forget, convert it to a text file, edit it a bit, and encrypt the text file with GPG. Then when I need to make transfers I can ssh to a box or use my laptop to "gpg -d tan.txt.gpg | grep ^123" where 123 is the TAN code number that the online form requests. They recently amended this system so that there's a second set of TAN codes (that comes in another snail mail) that they'll supposedly ask for if you make a transaction from a suspicious IP address, I've yet to use one of those. It sucks a bit but I find it far better than having to carry some device on my person at all times.