> What bank uses fixed passwords (rather than a sheet of single-use codes)
> and thinks that it's safe?
Several banks in the UK use a small battery powered card reader. When
you make a transaction you need to insert your bank card, type in your
pin, then enter the numbers from the website (usually the destination
account number and the amount). The card reader then displays an 8-digit
code to enter back into the web browser.
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