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Not French, but German here. TANs are obviously used for transactions, but I've never seen them used for login purposes. To add insult to injury, the _only_ permissible password length for my bank was 5 (five!) characters.

Looking to make a switch right now..

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Sounds like Sparkasse, but hey, you can change your username to a longer, unguessable bunch of alphanumeric characters ;)

ING in Germany uses login tokens IIRC and HSBC globally uses SecureID soft or hard tokens.

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