exactly. UK has fierce banking competition and you have so many digital banks that compete with the brick and mortar and beat them on pretty much everything except for not having actual branches. It's the closest you can be to being happy with..banks :)

Then you go to Greece and you pay exorbitant transaction fees for everything. 3E for any incoming transfer, regardless of amount. 10-15E to transfer 10k between banks in the country. Sky high interest rates for lending, unreasonable guarantee requirements and it's still really hard to get a loan. And then you get 0.25% for saving accounts. e-banking that may be pretty looking but a shame functionality wise. And you only have 4 banks (+1 zombie bank). The bankers are still making bonuses like it's 2007 and the public is funding them with transaction fees. The traditional banking business model of making money from the spread between lending and savings rate is pretty much dead.

I can't believe there can be any other country worse than Greece in the EU. Change my mind =)

You are right on "unbelievably". In my experience, bank service in France is fine.

It could be useful if those who label "bad" shared "with which Institutes", and likewise for those who label "fine" - even before detailing what is specifically "bad" or "fine".

How so? France has online banks which have very decent conditions, comparable to other EU countries.