I don't run an OS on my phone or laptop that could run a proprietary banking app in the first place. Can't be inconvenienced if you don't know what convenience feels like in the first place.

The only time I've willingly used a banking app is when they lock out my VPN IP. In those cases the app still usually works for whatever reason. So far, I haven't found any functionality missing from the webapp, but I'm also dealing with brick and mortar institutions.

I would be concerned as they will eventually probably move to a phone app first ecosystem, however it will probably take a while. Some people are still only using in person and phone banking (where you call them and punch in numbers).

They are important.

I need to use them on the go so it's a must have.

• 2FA
• Some banks I use require I aprove transactions on my phone when I am paying this online
• One bank I use has tap to pay on the app instead of relying on Google Wallet

I live in the Netherlands, where there's a QR-code-based payment method called iDeal, which you need a Dutch banking app or little code machine thing to use. With my bank, at least, there are a few things you can do with the website that you can't do with the app, but for day-to-day use the app's fine.

NFC payments

Works fine on lineage os