In Europe, bank transactions have mandatory 2FA. In most cases that means a smartphone apps though many banks also offer a physical device. But you have to pay for the latter, and if you have different accounts at different banks, there's a good chance the devices aren't compatible with each other. Smartphones are the easiest option for most people.
All major banks here have either a personalized physical thingamajig or a generic one that you put your card in, I opened an account with a new bank not too long ago and I got this for free, never heard of anyone having to pay for it.
Then keep a dedicated smartphone for bank purposes only. I already do that with iPhones in usa. I have se 1 Gen as a cellphone on a cheap $7 plan, and a se2 Gen as a pda of sorts on a “unlimited” plan. There are multiple benefits to it. Like when I browse on my pda phone I don’t have to worry about draining battery on phone. I only charge my phone (se1) about twice a week.
