andrewteg Do you or anyone else know if those EU has any plans to allow people without a smart phone to bank, and if GrapheneOS users could get into that group if so?
I mean, it's not a legal requirement to use Android/iOS. There's no law saying banking apps can't run on Windows or GNU/Linux, I guess. And you still have the option of a physical TAN generator, just that this is something not all banks offer and often you have to pay for. If you bank with any of the new mobile-first banks like Starling, Revolut, Monzo or N26, I don't think there's a way to use them without smartphone.