Hi!
My bank in Sweden (ICA banken) gave me a small plastic box on a keyring,with a lcd screen that shows me a new code everytime I stick my ATM card into it, that I use for one time payments and moneytransfers on the Internet!
There are other ways of loosing your money from your account.
Last trip my bank closed my account because someone had "broke" into another bank's database in England, and my cardnumber had been stored there with a lot of others!
Not sure how my cardnumber ended up in England, but I guess it was because I used a ATM machine at Heathrow last year to withdraw some coffee money!?
Anyway, the english bank contacted my bank that decided to immediately close my account as a precaution, fearing that someone would try to get a hold of my money!
So luckily, I never lost any money, but it took 12 days for my new ATM card to be sent to me in Koh Samui via my home in Sweden!
During that time I had to survive on "breadcrumbs"!
plahgat