[taway1237]

> No idea how they arrived to this retarded architecture

2FA is known to increase security drastically. It's easy to understand why it's a good idea.

EU banks in particular do this because 2FA for banks is mandated by a EU level directive.

> Submitting any kind of architectural feedback to a bank is hopeless and helpless, these fuckers always know better.

In this case they clearly do.

[aidenn0]

There are lots of options for 2FA that don't require me to install a bloated and buggy app that only supports one bank.

[Tijdreiziger]

You don't have to install it, you can ask them to send you a physical 2FA device instead.

[expertentipp]

They charge money for physical 2FA device.

https://www.ing.de/hilfe/auftraege-freigeben/phototan/

[expertentipp]

In at least one EU country the only available free of charge second factor of 2FA at ING is their FULL MOBILE BANKING APP. You're posting a comment at HN explaining that "mobile banking app is 2FA because security because EU", are you working there?