More and more banks have put their money on smartphone apps to implement the 2FA requirement that PSD2 mandates. Turns out that European banks really like that walled-garden thing. Some banks still allow you to use SMS but pressure is mounting to do away with SMS-based 2FA. Other 2FA solutions (e.g. national CAP schemes [0]) are on their way out, too. So are call centers, which used to let you do banking on the phone.
In Europe, you are living in increasingly difficult times if you want to do banking unless you happen to own a smartphone running an OS made by Google or Apple, and to be a customer on their respective app store.
