Using older Android for banking

My daughter just bought a MI 10T lite from CEX the other day, just for the usual reasons. It runs Android 12 (miui 14) but it doesn’t have any software updates anymore. Would it be safe to use Monzo app on it? I’m sure the banking apps are regularly updated, as are others on the google play store! She uses a Avast antivirus app and doesn’t click anything dodgy.

Will she be ok?

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The short answer is that yes Android 12 is fine. Android 7 is still fine! for now…