This document discusses authentication methods for secure internet banking. It presents two solutions: 1) a short-time password solution based on symmetric cryptography and hardware security modules, and 2) a certificate-based solution using SSL/TLS sessions. Both solutions are classified according to their resistance to offline credential stealing attacks and online channel breaking attacks. While both offer high security against common attacks, the certificate-based solution is presented as a highly attractive alternative for the future given changing legislation and the spread of electronic IDs.