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In Europe at least, most banks require IOS or Android. Even to login into the web Frontend.

"Most" seems quite inaccurate. There is a Graphene OS banking app compatibility database [here](https://github.com/PrivSec-dev/banking-apps-compat-report); it is not easy to filter for European banks, but the [incompatible](https://github.com/PrivSec-dev/banking-apps-compat-report/is...) ones are less than 10% of the total [reports](https://github.com/PrivSec-dev/banking-apps-compat-report/is...).

Im confused. Graphene is also Android. So yes, Graphene works, as long as the Bank is not extremely draconic with their security checks.

There are quite a few people from Europe on HN saying that you can find banks not forcing the duopoly apps on you, in different countries.

You can. Thats why I said most.

However at that point you'll likely pay for the privilege.

Yes, fighting for your rights is not easy.