Banner ads on apps that are providing core functionality, (Health, Pay etc) have no place on a £1300 handset.
They are intrusive, obnoxious and ruin the user experience.
Open Samsung Pay or health on a S21 Ultra, hey presto, an advert for an S21 Ultra.
Shame on you Samsung.
Great phone but think I will return mine and the Watch 3 for a refund. I have zero interest in paying for a premium eco-system that serves me up ads.
At least give us the option to disable the banner ads.