Moving away: close your bank account, you must live in the country to have a bank account here.
Moving to: you must open a bank account here, we don’t accept foreign IBANs
Using a banking application: you must have US tech spyware on your phone, otherwise we don’t consider it secure.
We need a European federation. I want to be able to move somewhere with my European bank account, get paid by European employer, pay with my European money using a European payment system without having to tell some other non-European country all about it.
Could you please elaborate what the exact problem is? I never heard about such problem, but I am not sure whether I understand what the issue is here.
Have you moved countries within Europe? Then the problems mentioned above are what you can encounter.
And even if you haven’t moved, try using non-US tech with your bank. Many banking application require you to either have a crApple device or a Google device with their spyware on it. Buying a phone without Google spyware (here’s a big list of banks and their degoogled phone support).