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We need Linux on phones. Bank apps not needed as long as I can use browser. But do need some things like wireless cards, popular apps like Sonos and Spotify working.
Unfortunately many banks in the UK no longer offer a web portal or physical branches.

I'd love to see legislation that mandated a functioning web experience for critical services like this (banking, utilities, etc) - otherwise it will continue to further entrench the current duopoly.

(I suppose this is also an instance where I should do a better job of voting with my feet and supporting services that do offer this)

Good news for EU citizens though, PSD3 will require that authentication methods without a smartphone are provided:

https://ec.europa.eu/commission/presscorner/detail/fr/qanda_...

Require payment services providers to ensure that all users can benefit from methods to perform SCA which are adapted to their needs and situations and, in particular, that those methods do not depend on one single technology, device or mechanism, for instance on the possession of a smartphone.

Wise in the UK currently is good. You can use it completely without a phone app. It also has good support for passkeys, TOTP, and SMS OTP, allowing to add multiple of each as it should be. If you do choose the Wise app, it currently warns when you run a custom Android ROM, but let's you use it.

Our company also uses Revolut business, but that requires a phone app to verify online payments with cards. And Revolut recently changed the app so it now requires Google Play Integrity so it doesn't work with LineageOS anymore. So I'm looking to move all new things away from Revolut. I have little patience with companies that want to unbank my company, and decide what hardware or software we use.

Huh? Why the hell would you use a bank that doesn't offer a web portal or have branches if there are banks that still do?!?!

I bank with HSBC in the UK and there's still branches (worldwide) and banking via web.

I assume you mean things like Starling and Monzo in this case? Banking with them is simply dangerous.

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> many banks in the UK no longer offer a web portal

Same in Norway.

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Poland, all banks I know offer web portal. Linux, Firefox - works perfectly.
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Need to pressure banks to achieve feature parity between their websites and native apps. I'm forced to use Paypal to remote deposit checks because my banks limit that feature to their apps, which I can't use because of my device's age. (Paypal does, too, but their app still works for now.)
We need unlockable bootloaders on ALL phones. Then many more OSes will come
Unfortunately these days bank apps are required by the banks for "security", and good luck getting anything done without the bank app installed on your phone.

The only other alternative available is SMS but that is being phased out (rightly so) for being insecure.

Currently my bank requires a device where I need to insert my card to get a one time six digit code based on a QR code the banking website serves me that the device scans.

I'm not quite sure why they don't support something like a yubikey with FIDO, but maybe there's a good reason.

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GrapheneOS is what you're looking for
Android is Linux on phones ;)
And MacOS is Unix on Macs?