I used used my card with my PIN, mostly, for in-person purchases. For some things, I was able to tap (under $50) but larger purchases I had to use my PIN. I know some banking systems require you to authorize on an app, like Bank of Ireland, so I wasn't able to use that account! Luckily my Canadian account doesn't use that system. I don't have a Danish bank account so I didn't need to use my NemID for banking at all. But I agree, the way the current system is set up, it's really difficult to buy things without a phone!