You are also very lucky. There are countries where all mainstream banks (i.e. the ones that can give you the whole range of everyday banking services) require an app from Play Store, with Play Services as a hard dependency to even launch, for online banking.

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mentalgear 37 minutes ago | parent [-]

e/OS uses mircoG to make 98% of those bank apps work, GrapheneOS uses a sandbox for them.

	▲	TFNA 29 minutes ago \| parent [-]
		MicroG downloads code from Google and runs it unsandboxed (which is why GrapheneOS devs criticize MicroG so). That counts as using Google services. And even if GrapheneOS sandboxes Play Services, getting and running one's apps that way still counts as using Google services.