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If you bank requires it, you can: a) find different bank that doesn't; there are banks like this b) demand a hardware token

Unless you explicitly sign for Mobile-only bank (neobanks are weird) you will be able to get hardware token.

Speaking from German, UK and Polish experience.




I think all banks in my country as well provide hardware token method (used to be paper cards, nowadays a small Tamagotchi like device that outputs codes) if you don't want to use a phone app.


Yeah, while they certainly try to push it, I don t know about any Czech bank that would force you to use a mobile app.




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