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I once had my bank close my account because of a mistake they made (I can provide the background but it’s just a facepalming story). That meant my Bank ID was closed down, too.

I asked for an appointment with the bank to resolve it but was told I can only get an appointment with Bank ID.

It was outrageous. Obviously none of the other services worked either. Luckily I still had a British and a German credit card that I used for payments (since I lived in both those countries before). In the end I opened an account with another bank and moved on. Although I did try, furiously, for two weeks to get my old bank to admit their mistake and rectify it. No chance. If they had admitted it it would’ve meant they would have broken financial regulation, and obviously you don’t admit to that if you don’t have to.

Bank ID is great when it works and brutal when it doesn’t.

I actually don’t have a better proposal for a system since it works quite well in most cases, but just wanted to share my bad experience on it too.