As mentioned in some other comment my bank was a bad point, i see why its more relevant for banking. While one of my banks is perfectly happy with what i am doing and offers me paper TANs and contacts me via letters the other isnt.

I am more about everything else than banking tho. Things that dont have the need to contact me ASAP and still use SMS for authentification purposes. (Personally i dont even mind verification, i have a number, just not for long)