That is not true. Girocard used to partner with maestro (part of mastercard). The maestro part of the card was only used if the girocard was not supported where you wanted to pay. That partnership was terminated. New girocards are simple girocards. Which also means they cannot be used outside of Germany anymore. Hell, there are even terminals in Germany that don’t support girocard anymore

Not all banks have this. And I think this is only possible on Android? From what I know Apple does not allow to replace Apple Pay.

Everyone that I know pays with their phone. So yeah, Apple Pay and Google Pay are big in some parts of Europe at least.