

I use immich and nextcloud for the clients (my wife and my parents know that I only take care about that data) and on the server side I use borgmatic which has a local repository on the second drive inside my nuc and a remote repository hosted by hetzner called “storage box” which supports borg native.
Yes the remote is out of my physical access, but borg is fully encrypted and for 4$/3.6€/month for 1TB I feel good.
Before I started with borg and hetzner I had a rsync based backup with an odroid hc1 hosted by my parents, but that doesn’t feel safe. Due to slow network by my parents I had to sync my local backup instead of a second backup from the real data and the monitoring was also very bad.
From my point of view: You have no backup, if it is not automated and you have no monitoring.
Does the local transportation company provide an app for iOS itself? Maybe that could be an option for you to not use google wallet.
I have chosen a local transportation company to not use the DB navigator app which is a privacy nightmare and support my local transportation company financial.