> Wow, that is what would call seriously "user friendly".
> And an example for others...
>
> Could you (offlist, as the list is non-commercial) disclose me the name of 
> the bank?

Again AFAIK, this is a common scenario here in spain for public
companies like the one i work for (university).
In our case, the bank is a saving bank (according to wikipedia
translation of "caja de ahorros"). kind of a bank that dont give
benefits to their owners (cough). So, "anyone" could do it. at least,
banco santander, lacaixa, bankia...

Anyhow, this is -more or less- what we have:
Dual card (contact/contacless). contactless interface has only an id
for parking access and similar things.
Contact interface with 2 applications: one for the bank, one for our
own use with a 1024 (yes...i know...) RSA certificate for auth+sign...
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