Here /Europe/ some banks are starting to require the use of mobile apps for authenticating transactions, instead of providing hardware tokens. When I ran into

Here /Europe/ some banks are starting to require the use of mobile apps for authenticating transactions, instead of providing hardware tokens. When I ran into this problem they told me: "either pay us X EUR/month extra for Business Banking or, no hardware token for you". Calculated that (X * 12) < (cost of cheap Nokia Android phone), and got the latter which I keep in flight mode in a desk drawer and use for the banking app only.