I have been an SMBC (Sumitomo Mitsui Banking Corporation / 三井住友銀行, not SMBC Trust Bank PRESTIA) banking customer for 16 years. Just a regular bank account where my regular Japanese company salary goes, nothing fancy.
However, since a year or two ago, they not only mandate multi-factor authentication, but not only that, they require that it be done either via SMS (unreliable, in additiona to being insecure) or the SMBC app on my phone (idiotic, infuriating piece of crap app). No standard TOTP MFA is available.
So, I want to switch banks. I prefer English being at least available, and now that the yen is… you know… I’d like to easily be able to have an account in USD, too.
I know from this forum that both Sony Bank and SMBC Trust Bank PRESTIA offer these features. But can anybody definitively tell me whether either both of these banks let you log in with a web browser on a desktop computer, using normal TOTP MFA? Or barring that, do they let you just turn off MFA and login simply with a username and password?
by veidr