Make sure your banking apps support it.
Fairphone
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Honest question: are you referring to their apps or nfc payments? The entire play store is still available to e/os but I haven't tried contact less payments yet. (I'm only two weeks into my iPhone to e/os journey)
Both. Many banking apps don't work on a custom ROM. Same with Google Pay. But I still would test it. Maybe something changed.
The three banking apps I use all work. Obviously your mileage will vary but it's been fine for me.
I am also considering switching from an iPhone to a fairphone (or potentially something else privacy-friendly). So far I've heard that banking apps might be a problem. Also digital identification software feels like something that might be restricted on an alternative OS or a more open device. Does unlocking the bootloader mess with these things?
I would imagine streaming services that allow downloads might be restrictive about what they run on. Many of them do allow downlods, I know Spotify, Netflix, and most audiobook apps do at least. But I really have no idea, and would be really happy to hear from somebody with experience.