This document discusses authentication methods for secure internet banking. It presents two solutions: 1) a short-time password solution that uses symmetric cryptography and a hardware security module, and 2) a certificate-based solution that establishes an SSL/TLS channel without client authentication and uses the client's certificates. Both solutions offer high security against common offline credential stealing and online channel breaking attacks. The certificate solution is attractive for the future due to changing legislation and the spread of electronic IDs.