[briandear]

In France they do not have a non SMS option. Also if you change your number you have to wait days while your bank mails a new activation code to your postal address. Actually snail mail. (At least with BNP.)

An incredible pain. I hate it. ApplePay for the web is far superior.

[just_had_tea]

Data point of one here, but my experience is different. I used Crédit Coopératif, and they issued me with a password generator fob (like a small calculator in which you stick your Visa chip-card) which the 3D Secure page would ask for a response from.

I suspect it depends on your bank. Back when i used Crédit Agricole, i was indeed forced to do SMS auth, which is inferior.