In the UK at least, banking apps are how you give people cash when you owe them for dinner, drinks, whatever. It's also needed to authorise online payments. And for travel, location services is often used by the better banks as an alternative to immediately blocking your card every time you go anywhere. Then there are account perks[0] like airport lounges, co-working spaces, exercise classes, etc. that all use the app for access.

It'd be more than just a bit inconvenient to lose all of these things…

Luckily, all of my personal and business banking apps work fine on Graphene. Even the apps for the crusty old "bricks and mortar" banks that I still have backup accounts with.

[0] As an aside, Revolut Ultra in the UK costs less than the FT Digital subscription it includes so if you're an FT subscriber, all the other stuff that comes with the account is cheaper than free.