It's impossibly convenient to be perfectly fair with you, however I know that my bank has stopped issuing the "BankID Card" (which was a card and pin device that allowed you to generate challenge numbers)- and now forces you to use the BankID app -- which will not run on rooted phones of course.
It's even slightly worse as the App requires NFC; so I can't keep a backup on my iPad (which is what I was doing before).
I guess I absolutely need the play store to get BankID on the phone- so I’ll try that now with my Pixel 7.
https://grapheneos.org/articles/attestation-compatibility-gu...
On the last change my bank made me call to their hotline (even though everything else is possible to be done online) to keep using a separate hardware device - which ended up being just "so, you don't want to do it on a phone?" - "yep" - "ok, should be with you in a week or so".
I nowadays consider my phones pretty much throwaway devices - I don't have full control, I can't fully trust them. Plus they could be stolen, break when I drop it into water outside, ... - so I think it's ridiculously stupid to tie anything important to a phone as main authenticator.
Overall the usefuleness of a phone has been declining steadily - the selling point of a smart phone originally was that I have an app, and because it's a reasonably trusted device it'll store credentials, and I can use the app without logging in every time. By now most of the apps are just repackaged websites, and because of that - and because they don't trust their backends - we now have quickly expiring tokens in use in the apps as well. Most of the apps I don't use every day - and over the last few months every single one wanted me to log in again next time I used it.
Adding to that the nonsense of "there's a new app available, download that first before using" which typically doesn't add anything of value to me, and we're now at a state that not only does the typical smart phone app not offer a benefit over just using a website - it now often is even worse than just using a website.
Feel free to say you are a member of the Church of Cryptography and that installing proprietary corporate controlled apps is against your religion.
Never been asked to install an app for banking, but a health care clinic dropped me as a patient for not buying a phone that can install their app. I was the first case where a patient refused to conform. Found a new clinic who was willing to earn my business with phone and email correspondence. The original clinic escalated the case to corporate HQ when I filed a public medical malpractice complaint, and they ultimately responded by adding a webapp.
DEMAND the right to live your life without corpotech in your pocket. I am now 5 years without a smartphone working as an engineer and founder with an active social life who frequently travels and it can absolutely be done.
The only issue I had on GrapheneOS was that I had to play with the location permissions a bit when I wanted to copy the BankID to GrapheneOS from another phone (I've got some pictures of that in this blog post: https://www.jonashietala.se/blog/2025/08/28/ill_only_buy_dev...).
All other Swedish bank accounts I've tried have also worked great (including Swish).