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Critically you lose financial apps and gpay nfc
It depends on the apps. I’m Australian, so it may differ depending on the country, but I’m able to use the Commonwealth Bank app, alongside Square Payments (but cannot use the card reader.)
That’s wild to give that up. I never carry my actual cards anymore for convenience and security. Plus Google Pay gives the retailer a virtual card number, keeping your real one safe.
Not to mention it’s safer to bank on a phone vs computer, as you’re less likely to have a virus or Keylogger since everything is containerized.