[folmar]

Mostly the worst system you can imagine from power user perspective: * banks won't let you use it without a bank app (there is one exception that will let you use only some only outgoing transfers through the web page) although it is technically not required * giving out your IBAN is not a problem but I don't want to give everyone my phone number, and the temporary code is temporary * don't ask what happens if you have multiple accounts and multiple phone numbers.