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What will you do after Android starts restricting FOSS apps?
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Can't you use a browser for banking? That's what I do.
Or really, I just do my banking on the laptop.
Maybe you can use credit cards for everything but here it would be expected to be able to, at worst, pay with a direct transfer, and you'd need a banking app for that.
Really? You can do that in a web browser here, and never been in a situation where I need to make a bank transfer immediately. Only something like paying an invoice which you usually have weeks to pay.
What is the problem with SEPA? It just works.
I'm not in Europe?