@neilThe banking app is the reason why I stuck with a Google Android. One Plus offered the best Android bloatware vs features vs price combo. I'm on OP 12.
What I did though was take a hard 'no Google' approach from the moment I first powered it up. No G account sign up, no G apps. I disabled ALL Google apps, but particularly GooglePlayServices. Also includes their keyboard, browser, search, AI, maps, e-mail, video, photos, etc and a few libraries. I installed F-Droid, which I use as much as possible but where I must use a proprietary app, I use APKPure, which I hate (it's an ad ridden usability nightmare but you can get most apps and just hold your nose about the crappy ads). Do need to set each app's notification to off for 'GooglePlayServices' reminder, otherwise there are constant interruptions. The ONLY app I once had to log in to Google for was when my banking app stopped working as they'd updated, wouldn't work with the previous version but APKPure hadn't caught up with the latest version. PlayServices and PlayStore were re-enabled for about 5 minutes only.
As a result, I get a clean, ad-free, privacy tight, un-augmented* phone experience, which is just what I want.
*I don't want location based ads or friend proximity or AI summaries, etc
Let me know if you want the list of disabled apps.