I don't want to use an app on my phone for the security device, I don't like to install apps on my phone. For me the inconvenience of losing my phone and the great unknown of monitoring activity are too strong. I keep the physical security device hidden at home and rarely ever use it. I don't mind heading into the branch for one offs or things that would normally require the device - my branch is usually pretty quiet.
I've only ever had dual-sim phones after moving to HK, so the SMS OTP thing has never been an issue for me using my card anywhere I have mobile service.
Originally Posted by Walter White:
If you have an iPhone or whatever it's good to have a second phone as a travel accessory exactly for stuff like this IMO.