Every Swiss bank I have accounts with (Credit Suisse, Postfinance, Raiffeisen) have internet banking protected with two factor authentication. The second factor

Every Swiss bank I have accounts with (Credit Suisse, Postfinance, Raiffeisen) have internet banking protected with two factor authentication. The second factor can either be a chip card with a reader (protected by a PIN, and you then enter a code shown on screen and it returns another number), an SMS token or an iPhone app which reads a picture of the screen (!) and returns another token number (with a SMS token fallback).