On Wed, 08 Apr 2015 23:00:54 -0500, Paul in Houston TX wrote:

Online banking is unsafe by virtue of it being online.
I do all my banking at the bank.

Good for you! I do most of my online banking at home, in a comfy chair;
sometimes I use the "Self Service Banking" terminals at the bank and
those are probably running Windows XP, so... safe?

Anyway, as a Belgian citizen the bank is obligated by law to refund me
when something goes wrong (phishing for example). Even if I'm running XP
or don't have any antivirus. If I'm not mistaken

But I guess, the m.o. is pretty safe. One bank uses a VASCO card reader
that can either be connected or not.

https://www.vasco.com/products/client_products/card_reader_digipass/digipass_870.aspx

The amount/sum of money you transfer is also part of the code and, of
course, you need a bank card and the PIN code.

For some reason, I don't trust their Android app much, but I haven't
given it a chance yet. But it should have the same insurance, so there's
really no reason not to use it...

--
s|b