i had the same problems with the Kobil M-Identity stick from Valiant Bank. 
There has been an update and now it works fine with Ubuntu 10.4, 64bit.
I only had to change the mode in "50-udev-default.rules" into "666". 
See also 
:(http://www.valiant.ch/nc/globaldata/holding-navigation/medien-und-aktuell/einzelansicht/medien-und-aktuell/archive/2010/05/article/update-fuer-den-ebanking-login-stick-522.html)
I hope for you that Migrosbank will release a similar update.

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Kobil M-IDentity usb dongle : no write access anymore since 10.04
https://bugs.launchpad.net/bugs/573690
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