Using a mobile phone to clone a Mifare card (2016)
timdows.com
timdows.com
Vulnerabilities in the protocol make it relatively trivial to discover the keys if you have the correct hardware (e.g. a Proxmark3), but as far as I know nobody has done this with a phone – all these writeups conveniently only clone tags with keys in the list of common keys distributed with MifareClassicTool.
That said, it's super common to see recording done on both the card and on the network -- as you note for GoCard and Opal.
1: https://proxy.duckduckgo.com/iu/?u=http%3A%2F%2Fwww.sign2you...