This should be illegal that the government forces people into apps controlled by private, commercial entities. I call such a government corrupt.
Here in central Europe I can still access the bank website fine without smartphone. I need a physical device to yield a TAN though, but I can access and do online transactions fine. So I think something is wrong with the spanish government. People need to protest.
I switched bank in the UK due to enforced app use, from Starling to Nationwide. They use a card reader to issue codes, so I can still use the web. I see this as a much of a must-have as physical bank branches with real cashier services.
Especially in Europe! They shouldn't be forcing you to run an OS from an American company.
My bank still supports TAN codes with a device too. Unfortunately, once it breaks or the battery goes dead you cannot get a new one and have to use their app. Fortunately, their app works on GrapheneOS without issues.
The DSA European digital wallet spec currently requires Google or Apple attestation, so not for much longer.
And that is mandated by the EU.
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