>> I don't see how that would work for most German banks, as before a 
>> transaction is made you need to enter a special code from a use-once list 
>> that is provided from your bank.
>
> German banks are smarter. The banks here were supposed to (by recent law) 
> send out those fobs with the one-time digits on them.

I have a small gizmo for my UK bank, I put my normal ATM card into it, then 
type in a code provided by the website, then get given back a code that I 
enter into the website to authorise the transfer.

Both that system and the German system are a little inconvenient, because 
you always need to have something extra with you to make a transfer.  Still 
better than the inconvenience of not being able to buy anything because 
someone has stolen all your money :-)

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