Banking
Mostly depends on you! I personally prefer the banking website on my main computer, and an Android approver on a separate 5G tablet. I just don’t like manipulating a phone or tablet when shopping so a physical card is fine for me. For my use case I don’t want or need a banking app on the phone I take with me. (I’ll make a little effort and test my bank app when I get the Jolla Phone.)
Just as information, in case you haven’t come across it yet, there is this list of banking applications rated by their level of compatibility.
General usability and stability
Someone commented that it’s better to restart the system from time to time to avoid some bugs, but I never felt that need.
Occasionally the browser crashes (people say it’s when it exceeds memory allowance) or (strangely) the SMS app. However, they both gracefully recover by reloading immediately on their own, and any SMS in the process of drafting is recovered as well. It just surprises me and I lose maybe 3 seconds waiting for the browser to reload once a month.
I can pair the phone with a bluetooth keyboard, connect to Wifi networks, share my 5G connection through Wifi, with 100% reliability. My needs are very simple so maybe I don’t expose many bugs.
The VoLTE question
Some people report problems with the telephony. There appears to be some issues with some operators, in particular when using VoLTE. You should check this table:
Emergency services
There is the question of emergency calls.
The local emergency numbers are not supported by the Emergency call interface (which only supports 112), see: Unable to call local emergency number, only 112.
Some people report problems calling 112, but I think it was on the C2, not on Sony Reliable emergency calls Not much is known on the topic, since we cannot call them as a test (Jolla said they could perform tests in Finland).
Sweden also blocks older phones based on the premise that they can’t make 4G calls to 112 and therefore shouldn’t be used at all in Sweden. My Xperia 10 II Dual SIM will be blocked by Tele2 in Sweden In principle this should not affect the Jolla Phone.
It seems emergency cell broadcasts (sometimes called “Presidential message”) are not supported Emergency Broadcasts [Austria] Again there is little for us to do to test.
Hardware issues
The Xperia 10iii has a known issue with camera focusing, but that won’t affect you. There used to be a thread of someone complaining of no sound when making calls on certain phones, but it has not appeared recently.
Apart from the “VoLTE mess” (title of an external link in a cited thread), many issues are related to hardware support, so there is hope that a phone designed by Jolla will have fewer issues (rather than on a stock phone from Sony with half well written open source drivers they could communicate to Jolla).