These things will very likely not work on non-proprietary devices.

Depends on your bank. Most work on alternate OS (like GrapheneOS), and of course some don't. https://privsec.dev/posts/android/banking-applications-compatibility-with-grapheneos/

If an app (especially bank) doesn't work, I forward them this and try to ELI5 that their current method is flawed and less secure: https://grapheneos.org/articles/attestation-compatibility-guide