That is mostly false info banks like to tell their customers as their shitty apps allow them to shift the burden of proof in some fraud cases to the customers and also allow them to outsource some customer relation parts.
The relevant new EU legislation only requires there to be a second factor for authentication, but does not require an smart-phone app at all.
Look for a more honest bank with better customer service would be my advise. My bank does have an app as well, but it isn’t required at all.
AFAIK the other option as second factor is a tan generator that one has to buy. I don’t know of any bank in Germany that has another second factor or will provide one in the future
That is mostly false info banks like to tell their customers as their shitty apps allow them to shift the burden of proof in some fraud cases to the customers and also allow them to outsource some customer relation parts.
The relevant new EU legislation only requires there to be a second factor for authentication, but does not require an smart-phone app at all.
Look for a more honest bank with better customer service would be my advise. My bank does have an app as well, but it isn’t required at all.
AFAIK the other option as second factor is a tan generator that one has to buy. I don’t know of any bank in Germany that has another second factor or will provide one in the future