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> thanks to Google efforts switching to GrapheneOS mean tons of apps either not working or break every few months.

Sometimes, all you need is a Web browser. I personally don't want any "apps" on my phone that aren't basic utilities.

I am aware some banks in Europe require 2FA on a mobile device. Short of switching banks, my answer to that is a cheap or e-waste Googled Android phone that stays at home and serves that sole purpose.

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A lot of banks in UK and EU simply dont offer web access at all.

But you can switch to one that does.

Yes I can, but then I wont be able to use some of very convinient fintech services.

I also need to maintain my own nextcloud, photo sync infrastructure and backups.

Its inconvinient. This is exactly what I talking about.

It's sadly becoming harder. I've been playing that game for quite long and hope to stick to web apps, but still.

Some banks limit functionality on web apps, which is annoying.

More importantly, many refuse to provide a decent 2FA other than push notifications inside the app or SMS, which is insecure and EU has mandated its phaseout.

The thing that works for me is to pretend to be clueless and get an old hardware OTP generator, but those are susceptible to impersonation attacks on the bank side.

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