Quote Originally Posted by Hugh Cow View Post
I had this problem with my Australian account. Last time I was in Oz the bank gave me a small digital key that generates a random number every 30 seconds or so. I just input that when prompted by the bank when outside of Australia. It works all over the world and the battery is supposed to last 10years.
On their website, Lloyds actually display a code and give me a voice call. I key in or speak the code and Hey! Presto!

Their app uses a jumbled keyword and fingerprint to authenticate which is fine, too.