Yeah, I know MasterCard SecureCode. I have two bank accounts, one bank implements it using 2fa and uses SMS as the second factor, still no need for the card. Th

Yeah, I know MasterCard SecureCode. I have two bank accounts, one bank implements it using 2fa and uses SMS as the second factor, still no need for the card. The other bank doesn't implement it at all. And you still have to enter your credit card info, while the actual authentication actually has little to do with it.