Saying 'don't use those things' is not a viable solution. It's like when I was trying to move to linux a couple years ago I asked for help getting HiDPI/scaling to work and there were many responses saying 'who needs that?'
There are five options in my country, 3 of which require app push based 2FA to log into the web interface and 2 of which only have an app interfere.
Maybe I could get a EU bank from another EU country but my employer will not accept an out of country account for salary deposits because it makes their tax life difficult and my mortgage provider doesn't trust foreign accounts either.
> It's called a debit/credit card
Since about two years ago, activating a card requires the app.
> Maybe I could get a EU bank from another EU country but my employer will not accept an out of country account for salary deposits because it makes their tax life difficult and my mortgage provider doesn't trust foreign accounts either.
I do not doubt this is happening, but it is forbidden under SEPA. All IBANs, no matter from which member country, must be treated equally. Unfortunately, "IBAN discrimination" happens quite frequently still. The European commission recommends filing a complaint with your national governing body.
It's not just tax obligations, no? Employers in many countries have an obligation to ensure that your salary reflects on the X day of the month (or whatever frequency you're paid). Banks in my country have a payroll payment system for this reason, where funds will clear on the day they're made despite the destination bank (in the same country).
If my employer has to use SWIFT to pay me, on whom does this obligation to ensure I'm paid on time fall? I've had a salary payment from a foreign employer fail to be delivered for 2 weeks a few times. We'd have to go back and forth with my bank, their bank, their payroll vendor. That's an exception because they hired me as a foreign employee. Despite paying their local employees on time, I always received my salary at least 4 days 'late', as long as their payroll system reflected that I was paid on the X day, it wasn't their problem.
so Eire has 5 significant banks, and 15 'less significant'. There are also 276 Credit Unions, I don't know if they are useful. (I had a Credit Union account in the past, could send/receive online but no payment card)
(I don't know their suitability, but there are more than 5 options in your country)
Of the "significant banks" listed, only AIB and Bank of Ireland do consumer bank accounts. I suspect the presence of the others is more to do with wanting an EU entity for targeting larger EU markets than the Irish domestic market. For example, Citibank only expanded from "large tech multinationals" to also "mid sized businesses that are planning to scale internationally" in 2023 [1]
Also on that Wikipedia page are Dell's private bank, Danske Bank (closed their Irish retail business in 2013), Klarna (sort of banking-adjacent, but they're not giving you a current account), etc.
The 5 banks offering retail consumer accounts nationwide are AIB, permanent TSB, Bank of Ireland, Revolut and N26. The first 3 are the surviving brick and mortar banks and the latter 2 are recent-ish neobank entries.
Credit unions are limited to serving customers in their local area. The one credit union who's catchment area I'm in also requires app based 2FA.
(Side note: The name of the country in English is Ireland, the name in Irish is Éire - using the accent-less Irish name in English was promoted by the UK government and BBC because they didn't want to recognise the name of the country prior to the GFA in 1998. Most people will also accept Republic of Ireland if you need to distinguish from Northern Ireland, even though that's technically not the name)
As much as I want open source, I really don't think it's there yet for most people.