the only way I pay online is via my bank account.

here, where i live "bank pay" is common. it works this way:

• when purchasing product i am redirected from eshop to my bank, where i confirm my payment
• i enter secret data only on website of my bank, that I trust
• bank redirects me back to eshop with secret token, that eshop can use to check payment online

the problem is, that eshop has to be registered at the bank, so it cannot spread worldwide.