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Many banks in EU countries make it mandatory to have their smartphone app installed in order to validate operations clients perform in their web browsers :/

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What do they reply when you tell them you do not own a smartphone?

Even if you do own such a device, they don't need to know that.

They give you a hardware token that spits out some numbers and use that as your second factor instead. Usually after a lot more fiddling than a TOTP app would be.

Or they don't and tell you to use a different bank.

Sure if you truly need the Android HSM Walmart sells $40 tablets that can run that. You can buy one and keep it in your desk drawer just for banking.

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