The official GrapheneOS docs contains a developer guide on how to fix banking apps when they are not working. Bank app developers have been surprisingly receptive to making the changes, weirdly enough. You can see in some of the issues tracked on the site where people reached out and the developers eventually made the apps work.
I've been running GrapheneOS for a while (I have posts on the blog in my bio if you want to see some day-to-day info) and only one bank app gave me trouble. I had to toggle a setting and then everything worked.
Separate from this is wallet and payment apps which still have not had much traction on GrapheneOS.
I've heard some people had good results by going to their bank branch and demanding them to unblock their phone or they'll close their account. Apparently they have a checkbox to disable phone attestation requirements for a customer.
So anyone reading this, be aware your experience may differ.
I'm on a pixel 10 pro and have never been able to get some of banking apps to work, despite the list saying they should.
Curve works in Europe and Paypal has a trial thing in Germany for tap to pay IIRC. There's nothing in the US unfortunately, yet.
Cash and Monero are private so they're in a different space and are what should be prioritized.
GrapheneOS has convinced apps to add compatibility. Hell, Roblox has official GrapheneOS support. The idea is to get more users in order to convince the very few apps that block GrapheneOS, to support it.
At any rate, there is a well-maintained list here: https://privsec.dev/posts/android/banking-applications-compa...
I don't regularly use an actual bank account anymore, the cash management solutions from these brokerages work great and can do everything including direct deposit, payments, wire transfers, and ATM/debit cards, and have SIPC protection in place of FDIC.
https://github.com/PrivSec-dev/banking-apps-compat-report/is...
That said, the website still works fine for that one.