You pass basic, but not device or strong integrity. This is purely googles fault and is an artificial limitation that requires regulatory restrictions.

My bank works fine after relocking (in NL, Europe). And last time I checked all Dutch banks work. My VISA credit card app (from ICS) also works. Same for the government identification app, the government message app, our insurance app. In fact, I haven't encountered anything outside of Google Pay that didn't work.

(I don't deny that there are apps that won't work. Best to check before switching full-time.)