Depends on the bank's policies. Currently it tends to be when you transfer to a new destination and/or above a certain amount. I could certainly imagine a bank requiring it for every PC-initiated transaction as and when they reach a point where most normie customers are using their app.

"Every PC-initiated transaction" doesn't make sense to me. What type are transactions are you talking about?

> What type are transactions are you talking about?

Bank transfers and I guess direct debit authorisations (if your bank requires you to confirm those) and reauthorisation/confirmation of card payments that were blocked by the bank's fraud detection. I think those are the only kinds of transactions one would ever use a PC for? I mean for me most of my day-to-day transactions are me paying by debit card in a shop, but you can't do that on a PC in the first place; pretty much everything else I do on my PC.

Do you have to authorize those day-to-day transactions with your debit card on your phone every time?

No. Only to unblock when they get blocked/flagged as fraud (tends to happen for large transactions like plane tickets or buying a bunch of furniture), and even then I currently have the option of authorizing via the web browser (and I think also via phone call).

But sending a bank transfer is also a fairly common day-to-day transaction that I do a couple of times a month (and is the only way to pay for some government services like tax certificates short of visiting the tax office in person). Authorising a new direct debit happens occasionally (joined a gym, changed my utility provider, got a new credit card, that kind of thing).

Fraud prevention on my primary transaction account requires 2FA for every transfer.

The only supported 2FA is the bank's own dedicated 2FA app.

So if you buy something on Amazon with your debit card you have to authorize it?

Transfer of more than a set amount between even your own accounts in different banks.

Between your own accounts is the main use-case because you typically can't transfer between different banks.

> you typically can't transfer between different banks

WTF? What kind of shitty banking system are you using?

Wells Fargo said to do it I had to use Zelle.

Wow. You guys really need better banking regulation.

AFAIK Zelle is something US banks got together and set up on their own because the government didn't. So a Zelle transfer is the US equivalent of a SEPA transfer.

My brokerages require it every time I login from a computer. My bank will require it if it can't find a cookie from a previous login session. Occasionally, my bank will require it seemingly randomly since I usually log in at least once a week from my laptop yet every couple of months or so I have to reconfirm on the app or another secondary method.

What are the other secondary methods?