Almost every time I use my ccard I get redirected to my bank's website where I have to login. This involves entering two fixed digits (long and tough to remember) and a third token using using a little calculator like device which they supplied me, for which I also need my bank card and its pincode. Once I've passed this step I have to generate another one time token using this little device.

If I want to use my ccard online, away from home I need to have all kinds of codes remembered or written down, my normal bank card and this little device.

Using my ccard online has become quite the pain in the ass.