Which bank? I work in this space for a large european bank and we wouldn’t be able to do this.
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.
My Volksbank app here in Germany just wants a locked boatloads and no root. Works fine with microg. It's the reason I will never move!
Though the Sparkasse is the same actually, unsure about the other german banks