I haven’t used mullvad but I do use protonvpn. On my android phone icici banking app doesn’t work even while being whitelisted. Prime video needs to be whitelisted but functions. Didn’t find an issue with Netflix. Haven’t tested other platforms.

None of my banking apps work with VPN even with a spoofed Indian IP. UPI works without issue for me as well.

How do you access banking apps/websites with always-on VPN and permanent kill switch?

People who are using a custom ROMs. Are you able to use apps like banking apps and work apps (outlook, teams, InTune, etc.)?

This is a big hurdle for me and I don’t wish to carry two phones.