Banks in the Netherlands require a login name and password, but for doing transactions most banks require an additional confirmation
Giro/ING sends you codesheet with 100 numbered codes. Each time you actually do a transaction they ask you to enter one these codes. Please enter code# 34.
Instead of a the code you also can ask them to send such a new transcation confirmation code your mobile phone via SMS.
ABN-AMRO use a kind of calculator. Their site shows some digits as a challenge to enter on the calculator. The calculator processes the challenge and shows a code you have to enter to confirm the transaction.
As long as you keep your codesheet safe and don't lend your calculator to somebody else, nobody can transfer money out of your account.
@Vermaden, both French and German governments advised people, for security reasons, not to use Internet Explorer anymore. Tell your bank
