Quote:
don't lend your calculator to somebody else
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AFAIK, the 'code calculator' is a simple mass-produced one, not one tailor-made for your account, i.e. carrying a special chip/key or anything. They may even be completely interchangeable between banks. I borrowed a colleague's calculator once because I'd forgotten mine, and it worked just fine. I'm sure the challenge numbers produced by the bank site coupled with your PIN are unique enough to warrant processing by a non-unique calculator.