It depends what banking apps you use. Some are available. From my observation major banks in Poland work just fine. You can pay via NFC using the mBank app if you need to. Revolut also works fine. gPay just doesn't work however therefore you cannot pay with this via NFC. I use my Garmin watch to pay for all things in physical stores anyway, so no need for NFC payments anyway.

Can you please clarify the Revolut part? Just to understand, you are saying that you are able to perform NFC payments via the Revolut app which you installed on your Graphene OS through the official Play Store? And you are based in Poland?