[makruiten]

And some banks (ING, bunq, but also others) don’t require anything else than just the mobile app, using either a pincode or biometric validation through your mobile OS. That’s way more practical, because you don’t need to have a reader in your pocket in order to do payments.

[Freak_NL]

Except that you are now required to get into an agreement with Apple or Google for use of their app-stores (banks don't offer alternatives to that route).

Bunq is also a troubling development, because it is the first Dutch bank to require the use of their app, offering no alternative authentication methods (like the larger banks do). If they are allowed to do that, then what is stopping the other banks besides good customer service? ING is already notorious for having waited as long as possible before offering an alternative to their app to users of their former outdated numbered one-time code system.