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> This is more advanced than just a flash sms. It is probably implemented as a SIM Toolkit App on the SIM card.

Yes. As I have understood it, it’s a Java applet that runs on the SIM card itself.

And it probably being more than just flash sms is also evident from the fact that not all telcos are supported for use with BankID, even among Norwegian telcos.

You can test it here https://www.bankid.no/privat/los-mitt-bankid-problem/test-di... but it probably only accepts Norwegian numbers. Found via https://www.bankid.no/privat/bankid-pa-mobil/ which says that the link I said to test it at says that you can use that test to determine if your phone and subscription supports BankID.

It’s also worth noting that many telcos will charge you every time you use BankID. This annoyed me a lot so I switched to a different telco that’s cheaper and doesn’t charge for BankID.




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