Here in NL you can't and there is this massive push to get a smartphone and a banking app. Hardware attestation coming to a device near you soon.

I would never use a bank that required a smartphone in order to access your money or do normal banking activities like transfers and payments. Fortunately here in the USA there are thousands of little mom n pop banks and credit unions, so I think we are safe from that madness at least until I’m dead and buried.