Accounts which use Two-factor authentication are more secure than those that just use user id, password and PIN for example. Rabo, FA, UB are examples which use a hardware device to implement such a system.
Won't phone banking call charges cost a lot from abroad?
If it's a 1890/1850 number are you sure that you can call it via Skype? On the other hand they normally also provide an Irish landline number for calling from abroad.
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