SafeZone defaults to this approach it appears, with a button to push if you do want to throw away a used image. This is slightly less secure in theory, but still fine for regular use, and makes it simpler. I suggest above that you use a fresh copy of the disk image with the VM alternatively you can use the same image each time. Both are available for free, for example you can grab a Ubuntu LiveCD from or a copy of VMPlayer from The easiest way is a LiveCD a VM is very slightly harder to set up but easier to use. It's a good technique, but if you want to switch to a different vendor, you still can, and implement this technique yourself. Obviously building a machine from bare metal every time is a pain, so to make this a practical technique you either use a VM, using a fresh copy of the disk image every time you use it, which is the approach SafeZone takes or a LiveCD. Because the machine is only on for a few brief moments at a time, and because you do nothing with it apart from visiting your bank, it becomes very hard for spyware or other malicious software to infect it. The idea is to build a brand new machine from scratch every time you want to log onto your bank, and wiping it afterwards. Yes, this is a well established technique for secure access to online banking and such.
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