There is a payment app/bank account in Europe who doesn’t need Google Play Services to fully works?
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Which is useless for non-local stuff
Which I do so rarely, that my simple Visa/Dankort easily handles that…
Then use your plastic card instead of an app
Many people use to attach the card in the smartphone’s back to mimic the built-in NFC, that’s a good solution but sometimes you wanna check your credits and make some operations.
Your banks are way more secure or limited. Here we just log in. Maybe get a text for a code.