Before, all easy, log into internet banking via codes - can be done anywhere.
NOW - a little calculator thing that you have to put your card into.
I have to try and remember which one is which (mine and DH's, assuming they send him one at some point). It is too big and bulky to carry about with me so I can only log in at home.
I know it isn't a huge issue, but my HSBC one is this little tiny thing you can put on a keyring - soooo much more sense!