[pietro72ohboy]

I cannot speak for every country but in the Netherlands, your banking app also serves as a 2FA instrument if you place orders with your credit card. A pop-up notification will ask you to confirm if you have indeed placed the order. While I will admit that it is possible to predict such use cases and take your phone along, it is becoming a bit difficult to predict what part of some account or service's login flow will require a confirmation with your device.

[microtonal]

Luckily, all/most Dutch bank apps work on GrapheneOS.

(Not saying that you claimed they didn't.)

[traxler]

Huh, interesting. I only have those 2FA popups for card payments online or in apps, never for payments in stores.

[seanhunter]

Certainly in the UK you can get the 2fa app popup in store if you tap to pay with your phone rather than a card. It’s analogous to going for a contactless payment with a card and them asking to insert the card and type the pin (which sometimes happens). It’s pretty rare (as in I have done the vast majority[1] of my payments using contactless on a phone for a couple of years now and I think it’s happened once to me).

[1] Like probably 99%+. I scarcely ever have a card on me and never use cash.

[vladvasiliu]

I'm pretty sure that's what your parent is describing.

In my case, I often spend multiple days at my parents' house. Now, I mostly don't order online, but sometimes something comes up and in that kind of situation, most merchants will have me go through the verification.

Since this doesn't happen frequently, I'm more likely than not to not have hauled my secondary phone, especially since I very much prefer traveling light. Now, could most of those occasional purchases not have waited for my return home? Eh... most probably could've. Doesn't make it less annoying, though, for no good reason.