[bluecatswim]

>means I can't use banking apps, or government apps (eg. Track&Trace or recently the EU Settled Status app)

Can't you use a web browser for those things?

[mato]

Here /Europe/ some banks are starting to require the use of mobile apps for authenticating transactions, instead of providing hardware tokens.

When I ran into this problem they told me: "either pay us X EUR/month extra for Business Banking or, no hardware token for you". Calculated that (X * 12) < (cost of cheap Nokia Android phone), and got the latter which I keep in flight mode in a desk drawer and use for the banking app only.

[andmikey]

Government apps no - both require a 'modern' Android or iPhone.

Banking apps partially - I can't use the web browser on my phone (it doesn't support modern enough crypto) but I can use the web browser on my laptop. Mostly it's that I've not been able to try any of the online-only challenger banks ;)

[throwaway3699]

For track and trace at least, it relies on the Google and Apple contact tracing APIs.