I checked your list with Aurora Store, an alternative Play Store Client which tells right away whether Apps are dependent on Google services to work.
You didn’t say which authenticator exactly, and I didn’t see the Nationwide App (might be region-specific), but banking Apps don’t like to run without Google services as a rule of thumb.
Minding this disclaimer, everything you list is dependent on Google services to work.
If these Apps would be a nice to have for you, Fairphone have a partnership with the e foundation, which brings their /e/ OS to the table. It’s focussed on getting Google stuff off the phone, while still being Android and providing an Open Source component mimicking Google Services to let many Google-dependent Apps work, but there’s no guarantee for 100% of the time or at all.
If you really rely on Google-dependent Apps to work 100% you might want to look into a Custom ROM like LineageOS in connection with Google services installers like Open GApps (letting you limit the amount of Google services and Apps on the phone at least), and Google’s device registration for the use of Google Apps and services on non-certified Android OSes (to not endanger your Google account with violating TOS) … https://www.google.com/android/uncertified/