Fair enough, a security device that can be on your keychain does sound convenient. I use hardware security keys these days, probably a similar experience.
SMS does sound proper annoying, not only delays/roaming issues, but also because you probably still have to manually type over numbers.
For most thing I just need to scan a QR code, then type in a pin or use face id to confirm, very quick and easy. For big transactions I still need the device, and that's when I realize how annoying it really is haha.
Anyway, hope you have found a better bank!
