Hacker News Reader

My bank in Australia does this (for any transaction to an account I've never sent money to before). Works prettty well.

I click a button, they SMS a 6 digit code, I enter it, money transferred (or bill paid).

Which bank?

That one. :)

http://www.commbank.com.au for those who don't get the joke.

They will also issue a token for those of us living outside the country.

AFAIK, CBA and Community CPS both do it.

As does NAB.