I've ordered a Suncorp banking security fob, which is apparently necessary for third-party transfers. This is a new change. Commonwealth decided that SMS was a better security second factor, and now that I'm having to go through the Suncorp hoops, I think I agree. It's not really secure, since it's not encrypted or impossible to intercept, and if you have my phone and my password, I'm screwed. But since the same is true of the random number generator keyring, not much is different in that regard, except that I already have a phone, so it's one less thing to carry.
Mokalus of Borg
PS - SMS might cost the bank more than the keyrings.
PPS - But probably not.
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