In Germany it seems common to mail lists of transaction authentication numbers to customers, and in the Netherlands smart card readers that read your card and g

In Germany it seems common to mail lists of transaction authentication numbers to customers, and in the Netherlands smart card readers that read your card and generate a TAN seem standard. There are companies built around circumventing this and allowing third parties access to your account (sofortueberweisung.de, for example), but it usually is against the bank EULA.