Belgian banking

We opened up our Belgian bank account today, and they are very security conscious about online banking. No simple password to open up your online banking page like in Australia or America, instead they give you a small portable card reader and when you log on to the bank website and put in your card details they give you a "challenge"(a series of random numbers) and you then have to insert your card into the card reader, enter the challenge, enter your pin number and you then get an "answer", which you can then use to answer the challenge on the website. I guess that stops anyone from using spyware to figure out your online log-in, because the challenge and answer is different each time, but I'm sure it will be a pain having to lug around the portable card reader with me.