Can't read the whole article but I wonder what he thinks of new, fintech-y banks like:

https://www.bunq.com/

https://n26.com

https://www.revolut.com

Edit: I see he did look at Revolut, would be nice to be able to read the whole thing haha.

Hey, "he" is me. So I can answer:

I've never used Bunq or N26. But I did include Revolut!

Cheers

Nice, as a bunq user (it's a Dutch bank but targets the entire EU) I wondered what you think, the 3 I mentioned are often seen as direct competitors when it comes to being a modern, app-first bank. bunq has some nice things like being able to swap your card to any of your 25 sub-accounts (ibans), virtual MAsterCards, Apple Watch integration, Android NFC and Apple pay enabled. I really like bunq. The more expensive (like really expensive) supergreen subscription has zapier integration even.

Yeah, never used Bunq so I wouldn't want to comment. Maybe I'll test them out in a future chapter. Sounds great though!

Did you test them by accessing through through a popular VPN service?

Did I test the banks by using a VPN?

Yes. For example, Ally has recently started blocking access if you are on a VPN service.

Which one was the best?

Hard to say, honestly. (I know that's a real diplomatic answer, and a swerve, but it's true).

Monzo are outstanding. Barclays are surprisingly great. Revolut and Starling are both incredible compared to the traditional banks.

I think those 3 statements are all true and fair!

link to non paywalled article?

Hey, you can view the whole publication here: https://builtformars.co.uk/banks/

I don't have a non-paywall TC link though, sorry.

Is this the same information on the "built for mars" website? https://builtformars.co.uk/banks/

I think the summary is that the challenger banks are better because they have been built from the ground up to have a good user experience. The only problem is that great user experience comes at a cost: the development and running costs are expensive and good user experience can hinder the ability to up-sell to the products that make traditional banks the most money.

Yes it is, the TC article is just an interview. :)

Plug: My company powers a white-labeled digital account opening product for credit unions and community banks across the United States. There are still over 10,000 of them believe it or not! We are trying to help them better compete with the top 10 banks.

You can join one of our credit union customers no matter where you live in the U.S. and it only takes 2 minutes: https://open.langleyfcu.org/

Credit unions are the best, and anybody with any lingering concerns from the 2008 crash ought to be using one.

Credit unions are forbidden from ever becoming "too big to fail," and are forced to focus on customers because that's all they can do.

In the US, I've found Chase bank has the best UI/UX for the major banks in the US.

I'm looking forward to Marcus (people behind the Apple Card) releasing a consumer checking account and Marcus branded credit card. Their UI/UX has been the best so far, but so far is limited to savings and loans.

If they had Chase bank in the UK I'd have included them! Which British bank do you think they're most similar to?

It is impossible to read the full article even after registering.

Link to publication here: https://builtformars.co.uk/banks/

No paywall workaround so not suitable for HN.

https://news.ycombinator.com/newsfaq.html

Sorry, non paywall version here: https://builtformars.co.uk/banks/

Revolut seems to be leading by far?

Revolut certainly know their stuff!

Since the TC article is a paywalled interview about the study, I found the actual study more interesting: https://builtformars.co.uk/banks/