Grantelbart
Volks und Reiffeisen Banken have their own NFC payment app that works on GrapheneOS.
Check out https://www.meinebank.de for a Online Only free Bank Account from the VR Banks
I have a Bank account myself with meinebank.de so far it works with no trouble. Opened the Account online and did the ID process also online and had access to the Bank Account right after.
The Debit Card took 4-5 days to arrive by mail and the letter with the cards pin came 3 days after that.