My Android system is updated and I am using an old phone but I will purchase a new phone in upcoming two or three months I have planned for that. The reason why I am purchase a new phone because I am unable to use my banking application send a few their applications due to the older version of the Android
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My brother also experienced the same (unable to use the banking application because of older Android version) with his older smartphone.
He still did banking on that smartphone too by logging in to his internet bank on the website of his bank.
A few months ago he bought a newer smartphone (Vivo Y33S), which is still old, but he is able to use the banking application too on this smartphone.
Depending on the available services of your bank, maybe you are also able to log in to your bank account on the website of your bank on your current smartphone.
Just a suggestion.