I've got Revolut and Barclays, I confess I don't mind the Barclays App too much. Lets me do anything I want to do and I don't like Revolut trying to push insurance and crypto.

I worked in HSBC for 6 months a few months and their IT systems are scary. It's a patchwork of various international banking systems where each one has different views and funding.

They are completely incapable of coordinating such a political landscape. I made some cash and ran away from that trainwreck as fast as I could.

There are lots of consultancies embedded making good money out of the confusion.