Now it is OK.
Any I prefer to use ANZ as they offered OTP as security device for free.
It would cost $27/each and is shipped from Aussie so it would cost around $30/each.
I also fond National Style security that is to send online code via SMS whenever I do a crucial changes or any transaction. So it's more handy as I don't need to carry around OTP device with me. I presume the cost to run that system is a lot higher than OTP.
