AusFinance

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Personal banking recommendations needed (discuss.tchncs.de)

submitted 1 year ago by [email protected] to c/[email protected]

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Do you happen to know banks that meet these criteria?

Telephone banking (of some fashion) provided
TOTP for 2FA is a) available and b) its use is not contingent on the use of an app; 2FA seeds are freely exportable by the user via web login

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[–] [email protected] 2 points 1 year ago (1 children)

Note that the bank's 2FA (eg online banking login) is different to a credit/debit card's 2FA (VISA, Mastercard).

When you use a card for an online purchase on a website configured to force 2FA on purchases (some do this to prevent CC fraud) I believe your only option is SMS. I was told by my bank that this was enforced by VISA and Mastercard, they could not change it.

[–] [email protected] 1 points 1 year ago (1 children)

Do you mean 3DS?

[–] [email protected] 1 points 1 year ago

Didn't know that term until now. Possibly? Looks like 3DS is a process like what I'm describing, but I don't know if it's the only implementation.