Luckily my German bank (Volksbank) has its own NFC app on Android. Much maligned years ago when it was announced (why can't they just let me use Google Pay??), I at least have come to the conclusion that it has granted me a freedom that Google does not.

And it doesn't let Google snoop on your every transaction. I don't understand how so many people are ok with this.

Unfortunately every EU bank card uses Mastercard or visa so the Americans still get to snoop. Time for that to be changed too.