All Dutch banks for example? I do instant online payments and P2P payments all the time with a degoogled phone. My VISA credit card app (ICS) also works fine.
I can't pick up a slab of beer at Albert Heijn because it requires Google Pay. But some banks (I think Rabobank) have their own NFC app and then it works fine.
But instant online iDEAL payments etc. work fine. Person to person payments using Tikkie/betaalverzoek as wel.
Put differently, I never use my bank's web interface, only the phone app.
What i mean is can you use this to pick up a slab of beer in albert hein, or just to transfer some cash to a friend or such?