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Non-.windows? Which excludes the majority of people using a desktop.... then there is Android.. where we have seen LOADs and Trojans striking against mTAN ("fakeToken" being the most infamous).. and "not an idiot".. Gee hardly anyone left (and its typically those that think that they are "clever" that can often be the biggest idiots)... Online banking is intrinsically unsafe. The problem is not safety but liability... Who is liable for personal damages derived from a system that is fundamentally flawed?

Wouldn't access internet banking from my Android device either. Only my Mac using HSBC's secure key which as far as I know is safe