My bank does not have physical representation anywhere, since it is a digital bank. When I joined them they had a sheet of TAN numbers for us to use, but that is long since gone. And seeing how few and far between other banks are with theirs nowadays it would become extremely impractical to do physical banking only.

Over here, banks aren’t allowed to do SMS codes anymore period. So tell me how I should solve the second factor required by law when all „dumb tech“ alternatives aren’t available anymore due to laws and regulations?

That’s part of what I meant with less proprietary requirements. I can’t speak from a current point of view, I just know I loved mine back in the day but it was also a pain to set up because it wasn’t company issued and thus not connected to a big server that handles some things. Not sure if they still need that, back then they did.

So you want a modern Blackberry? With less proprietary requirements attached?