OnePlus 13 Chinese version

Hi, I'm planning on buying the Chinese version of the OnePlus 13 since it's like 250-300 dollars cheaper than the global version, but my question is if I'm gonna face any major problems using the Chinese version, like will banking apps work? Will it support 5g? Or any other problems, I know I can flash the global rom but I read that there are a lot of problems that it's not worth the trouble. If someone is using the Chinese version of the 13 please let me know.