&gt; The way to authorise online transactions is with a piece of paper with 100 codes printed on it (TAN list). This was a shock, but it&#x27;s apparently common here.<p>This is what I&#x27;ve had with all European banks. It&#x27;s simple, secure and always in your wallet. What&#x27;s the method you are accustomed to in the UK?<p>Some banks do an extra validation step in case of unexpected transfers (such as a large sum, or a new foreign destination account) by sending the required TAN index by SMS. You&#x27;ll then look up the matching TAN from your list an put that in.