That’s definitely not the case in Europe. There’s no way to start a debit operation out of my account other than:
1. Something electronic that kicks of the thing where I need to enter the “ID codes” from device or app;
2. Being present at the bank and having been ID’d;
1. Something electronic that kicks of the thing where I need to enter the “ID codes” from device or app; 2. Being present at the bank and having been ID’d;