diff --git a/fints/dialog.py b/fints/dialog.py
index 0c97daf..e1f66aa 100644
--- a/fints/dialog.py
+++ b/fints/dialog.py
@@ -92,8 +92,12 @@ def init(self, *extra_segments):
                                 retval.find_segment_first('HITAN'),
                                 '_continue_dialog_initialization',
                                 self.client.is_challenge_structured(),
-                                resp.code == '3955',
+                                False,
                             )
+                            if resp.code == '3955':
+                                self.client.init_tan_response.decoupled = True
+                                break
+
                 self.need_init = False
                 return retval
             except Exception as e: