In Poland the law theoretically mandates that a digital signature is just as good as a pen-and-paper one. But, when dealing with banks, one quickly finds that the law is one thing and the stone wall of your bank is another.

Here's how a typical discussion unrolls:

Bank: "To do X or Y, we require you to visit us in person or provide a written statement".

Me: "Here's my statement with a digital signature, attached as a PDF."

Bank (ignoring the PDF): "To do X or Y, we require you to visit us in person or provide a written statement".

Me: "The law says (specific citation goes here) that I have just provided a written and signed statement. Here it is again."

Bank (ignoring the PDF): "To do X or Y, we require you to visit us in person or provide a written statement".

By the way, I had this kind of stupid back-and-forth with mBank, which tries to position itself as a "modern and innovative" bank.

The only next step is to sue, but who would bother.