Comment Re:Banking passwords are overrated (Score 2) 195
With mine I can transfer money. However, it's protected way beyond a simple password. I need a "random reader": a simple device that accepts my debet card, requires my PIN and gives me back the one-time key to even see my details. When signing a transaction I need to give the PIN, a one-time key from the webpage and the amount of money before the comma (probably to prevent hijacking).
I feel quite safe with that.
When setting up a new payee, my UK bank sends a one-time code to my mobile phone that I need to enter via the web. I sort of feel safe with that.