In a previous life I banked with Coutts. They were very pro online banking and security very early on. From the mid nineties to early noughties I was handling my account online and was given a physical securid token (Remember them? Like a thick credit card with an LCD display that generated a new OTP every 60 seconds) to deal with the login. But then they were absorbed into NatWest, and I expect their approach to IT changed.
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