Google wallet doesn't work which is imho a very tiny issue with contactless payment working with cards but most banking apps do. There is a forum thread I believe that you can check if your bank's app work before commiting to migrate.

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mvanbaak 5 hours ago | parent [-]

It might be a very tiny issue for you, but for others it's huge.

As a single datapoint: it has been years since I used a physical card. both payment or public transport. Always use contactless payments using my phone.

	▲	prmoustache 3 hours ago \| parent [-]
		I mean I used it in the past but the difference is minor in my experience. It is a case of grabbing your card vs grabbing your smartphone and fiddling with it. That card could even be carried in one of those phones cases with a card holder. The only major difference is in case of stolen phone vs stolen card. But every system has its drawback. It could be super annoying if you get your account suspended unexpectedly while you are away from home. In my particular case I don't want a google account anymore and would hate relying on google to manage my payments so it is a no go for a start.