I’ve been using infomaniak for a while which suits my needs pretty well. It’s mostly intended for businesses but it’s very usable as an individual. Lots of storage for a decent price too and has all the functions you mentioned. Hosted in Switzerland.

When you pay people back through the app they take a small commission of the settlement. Other than that it’s probably also not a very expensive app to run due to its simple nature.

Thanks for the fact check. Always crazy to see such an (at first glance) respectable medium spread such fake news.