I said "starting" to include the US which I expect to be still far behind. I agree that in the UK it's been standard and in fact EU regulations now make this mandatory anyway.

> It's been pretty standard for over ten years.

It's unheard of in the US.

I used to live in the UK (and still visit often) but now live in the US. You'd be amazed how far behind US banking is, even compared to the UK ten years ago.

I'm in the US and have never heard of it.

It’s common in Europe (I think it’s even mandatory now, though not necessarily for each transaction).

I've seen it once or twice ever and I didn't know the password it wanted.