I can't think of a single bank app/site that requires 2FA on every login; most have a "trusted device" option and that cookie becomes your "something you have" second factor for future logins.
The PSD2 directive mandates the 2nd factor to be able provide you with an independent means of displaying the transaction you are performing. This essentially means the 2nd factor must be an device.
I can't think of a single bank app/site that requires 2FA on every login; most have a "trusted device" option and that cookie becomes your "something you have" second factor for future logins.