[ratww]

Similar experience here, but when using the mobile app.

My bank in my country of origin also used to use a token, but they changed to a "token app" in the phone about 10 years ago.

However to authorise this app I had to use an ATM. Since this bank only has ATMs in one country, this means I couldn't lose or trade my phone.

After I moved I kept a super old iPhone in a drawer only for this bank, but at some point the app kept threatening me to upgrade, otherwise it would stop working in the next version. But I couldn't upgrade because my decade-old phone was too old for the new version.

Since even blocking my debit card via phone required using the "token app" (something incomprehensible to me), it became too risky to keep this account.

At this point I had no recourse but to close the account.