Fuck Google for doing this, and Play Integrity making me unable to use banks is even worse.
FWIW you can buy a Pixel (new or 2nd hand) and install GrapheneOS via the Web https://grapheneos.org/install/web with nothing (genuinely nothing) installed on your computer and get it working in ~15min (depending on your connection to download the ROM) out of which maybe ~2min will be your interacting with the setup process.
I initially bought an /e/OS precisely with your requirement, namely I "just" want a phone that works when I receive it, no tinkering, but having installed GrapheneOS myself few days (or weeks?) ago I can tell you, it's really straightforward.
Not 100% accurate. You need a browser that supports WebUSB[0] which are just Chromium based ones, not Safari or Firefox.
[0]https://developer.mozilla.org/en-US/docs/Web/API/WebUSB_API
Also GrapheneOS has in my experience decent banking app support outside of a handful of apps (including, ironically, my main bank which disabled GrapheneOS support a week or two ago). There is a maintained list of working apps that you can see for yourself: https://privsec.dev/posts/android/banking-applications-compa...
Which bank, specifically, requires an app for the purpose of 2FA? Further, what is the 2FA process for logging in to the app itself - wouldn't you need a second form of authentication that's not the app in that instance? If so, is that form of 2FA not allowed when logging in via desktop/laptop?
I inquire because I use multiple different banks, CC providers and financial services, but have never once been required to use an app, even with "mobile" banks like Simple or One.
Yes indeed registering the mobile application itself requires first another form of authentication, typically an SMS confirming the number plus a physical card with a physical card reader. You then input the resulting token in the app which validates it and then you don't need the card reader anymore while you rely on the mobile app. AFAICT the physical card reader options is not offered on some mobile payment options. I do not know if they are phasing it out of if it is because another method exists, namely if you have NOT registered their mobile application as a 2FA method, can you still use the physical card and card reader. I do not know that.
To be clear they do NOT require an app per se. They do though if you want to use online services, including payments, bank transfer, reading specific kind of documents, adding specific recipients for recurring transfer, transfer above thresholds, etc.
Hope it helps. If I missed something happy to try to clarify. Also FWIW and AFAICT it's getting more and more common for online services from bank in the EU.
Etc
GrapheneOS has full support for Play Integrity[0].
[0]: https://grapheneos.org/articles/attestation-compatibility-gu...
My European banking and credit card apps work fine on GrapheneOS because they don't require the strong integrity level.
Google is using Play Integrity at the strong level to shut down competition. It's kinda ironic, since GrapheneOS is much more secure than the many phones out there with abysmal device security and slow updates that Google does accept with strong integrity.
The intent of the comment stands though.
I meant to point out that GrapheneOS has perfectly good support for verifying device integrity via Hardware Attestation, just not the method which requires Google to acknowledge the OS signing keys.
https://privsec.dev/posts/android/banking-applications-compa...
The only thing I have really found missing is Google Pay support for contactless payment (because Google doesn't want to allow GrapheneOS, but there are alternatives like Curve).