HBCI is a standard that is used by many banks in Germany.
Those banks offer either banking with PIN and TAN lists, or
using smart cards.
KMyMoney is a KDE application you can use for homebanking under linux.
It used LibChipcard, a library for chip card access, and that library in turn
can use OpenSC.
You might need to use the latest snapshot packages. Feedback is very welcome.