All the guides I’ve seen are like “check out this budget phone for $350, it has five cameras”

I only need one camera and it just has to be good enough to take pictures of documents while still being readable.

Android 12

Like 16gb storage minimum. 2gb ram minimum.

Most phones seem to be way over those specs knocking up price. A bunch that r more affordable don’t go up to Android 12. I assume Android 12 is important so I don’t get hacked when I’m trying to do banking on my phone on unsecured public Wi-Fi (which is where I do all my banking :( )

  • By active SIM I meant having a phone plan activated on the SIM card in your phone. Since you only mentioned doing banking over WIFI, I wasn’t sure if you had a phone plan or were just using the phone when connected to WIFI. In your case, I think even the deals that prepaid providers do typically are tied to service plans that include data, but could be worth double checking with your provider just in case.