alt Hacker NewsThe best phone experience, by far, if you hate bloat and spyware is GrapheneOS on a Pixel. No accounts, no logins, no restrictions on side loading, and most Android apps that aren't affected by the Play Integrity cancer just work. You can even install Google apps if you want, but my preference is to use FOSS apps only.
Surely, it depends on your particular vendors, but don't you have any problems with banking apps and such? I honestly just don't know, didn't try messing with firmware in a while. Do you use Revolut or something similar?