u/Ecstatic-Day-2375

Hi guys, i have the qin f21 pro for about 3 months now, i love it and it was the best choice i have made in a while however i still have issues understanding the safety aspect of it all. Just for the record im horrible with tech and have a hard time understanding the problem with Chinese phones.
I tried to read into it here on reddit and i get that it can have spyware on it…but what does it do?
If i download a banking app (like revolut) on it, are they gonne be stealing my money, or use my card information for purchases?
Im really sorry if this is a stupid question but its really not my field…
I have been using messenger, email, spotify and apps like this without any problems, but the banking apps would help me so much i really want to download them.