[Tainnor]

In Europe, bank transactions have mandatory 2FA. In most cases that means a smartphone apps though many banks also offer a physical device. But you have to pay for the latter, and if you have different accounts at different banks, there's a good chance the devices aren't compatible with each other. Smartphones are the easiest option for most people.

[bondarchuk]

All major banks here have either a personalized physical thingamajig or a generic one that you put your card in, I opened an account with a new bank not too long ago and I got this for free, never heard of anyone having to pay for it.

[beretguy]

Then keep a dedicated smartphone for bank purposes only. I already do that with iPhones in usa. I have se 1 Gen as a cellphone on a cheap $7 plan, and a se2 Gen as a pda of sorts on a “unlimited” plan. There are multiple benefits to it. Like when I browse on my pda phone I don’t have to worry about draining battery on phone. I only charge my phone (se1) about twice a week.

[card_zero]

Don't they support 2FA as a text message to your dumbphone?

[Tainnor]

No that's been explicitly disallowed (text messages are notoriously insecure).

[karma_pharmer]

Sorry to hear your banking system sucks.

Try being your own bank. Dump the fiat.