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> Over and over again you have to contend with bullshit like 120MB APKs full of obfuscated code, root detection, custom firmware detection, "non-mainstream device" detection, VPN detection, and even more obscure spyware-flavored functionality.

I keep seeing people say this, and it keeps being true that you can just go to your bank's website and do whatever it is you want to do.

Not any more.

Most European banks either don't have a web banking at all, or require a mobile app to log into it. There are exceptions but they are rare and becoming even rarer.

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> it keeps being true that you can just go to your bank's website and do whatever it is you want to do.

Not all banks. Monzo doesn't have banking through the website, and I doubt they're the only ones.

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Well that's not really true. There's most definitely functionality that is only available in the app. If I want to make a payment without having to dig a card reader out every single time, I absolutely have to use my bank's app.
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My bank doesn't have a website I can log into.
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But not with a VPN. Hackers might use a VPN.
I've used smile since 2004. It has an app which is fine, or I use the webpage which has more choice. I used HSBC before then which had a web interface, I vaguely remember natwest had special software for computer banking in the 90s, that might have been business accounts only, and potentially even was dialing direct to their systems rather than via the internet.

There are app only banks, you make your choice and you pay your price.