All of them now require some kind of 2FA, everywhere. This is due to a legal requirement on all EEA payment providers that they require 2FA for almost everything since 2020, including accessing your account on their website: https://en.wikipedia.org/wiki/Strong_customer_authentication
TOTP codes would be allowed by the regulation, as would biometric approaches or separate physical tokens, but in practice every bank I've used in recent years (quite a few, mostly Spanish but also in Belgium & Switzerland) require that you accept a confirmation prompt or similar in their app.
It feels like "gold-plating" of regulations is and always has been a significant problem in the EU.
Regulations are written (at EU level) to allow X, Y and Z; somehow by the time it's implemented at member state level it miraculously only allows only X or Y, and once it gets to actual service providers (who've presumably been advised by their in-house lawyers that 'Y is bad') we end up with a choice of X or nothing.
Then if you ask anyone at EU level what's going on, they point to what the regulation says, and everyone shrugs.
TOTP codes would be allowed by the regulation, as would biometric approaches or separate physical tokens, but in practice every bank I've used in recent years (quite a few, mostly Spanish but also in Belgium & Switzerland) require that you accept a confirmation prompt or similar in their app.