My understanding from looking into this two years ago is that it's hit or miss for banks (depending on if they opt into device attestation stuff), no for NFC / Google Wallet, and yes for Uber / Lyft.

Apparently the common workaround for the Google Wallet stuff is to pair a GrapheneOS phone with a stock Android smartwatch.

Edit: Here's some additional information on banking apps: https://privsec.dev/posts/android/banking-applications-compa...

Apparently the common recommendation these days is to use Curve Pay as a virtual card provider on GrapheneOS, which can then route to arbitrary underlying cards. And evidently Google Wallet does work for things that aren't payment cards (airline tickets, transit passes, etc.) on GrapheneOS.

I use Graphene but with Google play store app. Here in Europe my banking apps and 2fa apps (SecureGo) work flawlessly. NFC cards work with PassAndroid and FOSSwallet, both from Fdroid. I've had issues installing rather new games via the play store, but most often it takes a couple of tries or a waiting period to work in the end.

Yes, these would be my concerns as well. In the past, I would install custom ROMs. Then I stopped doing that and would only root my device. But of late, way, way too many apps refuse to work if rooted (apps that used to be fine with it before).

Now I just accept life as it is.

Contactless payments is the the big one that doesn't work and probably won't. You can do in app payments via Google pay though

Many banking apps work fine though not all.

I've been running GrapheneOS for over a year and have had zero issues with 3 different banks, and all credit cards. I'm sure there are issues with some banks, but I've never seen them. I don't use Google Wallet, and never wanted to so if that's a consideration...

My friend uses a pretty hardened (as per him; I didn't indulge him when he wanted to give me the gory details) Graphene setup on his few years old Pixel.

Bank apps - as per him none work. Uber (no Lyft here; other taxi apps) work flawless. Payment apps, he said is a coin toss. On his phone even WhatsApp doesn't work. He anyway prefers Signal (which prob. nobody else uses in his circle except maybe me who has it installed on a secondary phone) or plain SMS. Basically most of the "normal" apps that add integrity checks don't work but he is fine with that.

This is a question that I rarely see answered but would love to know as well.

I use it with my bank app ymmv