I have lived overseas for 4 years now and am heading back to the good old NZ. I am looking for a good bank. Especially one with good online service.

I was surprised when arriving in Norway to have to use a security device that generated a number i had to key in each time I logged into my bank (DnB) online or paid bills, transferred money etc. At first I found it an inconvenience but then I loved the extra layer of security it provided. I even began to feel "naked" when doing transactions in my NZ account.

More recently the bank has provided a verification app on smart phones as an option instead of the code generator. This is even more handy as My phone is always nearby and it saves me having to key in a number and occasionally mistype it. I get a phrase in my computer screen and a phrase on my phone, if they match I say accept (if they ever didn't I could cancel). I then key my pin code.

I notice ANZ offers a code texted to you to now (I was a National bank client, so now been made an ANZ one). The code texted to you must be keyed into the online banking screen.

What other security systems are around in other banks?

Are they much the same or are there any more elegant systems?

Any other tips on bank offerings also accepted as I am thinking of changing bank once I arrive back home.

Cheers