I switched bank in 2021 and it was hard. No bank advertises "we do compliant chip tan" and no bank advertises "we do not buy an app framework that scans for customs roms".

Switching banks is hard, because all of them suck, are underdocumented and a moving target.

I suppose today it is more difficult. At the time I only had to get a guarantee from the bank that they support Firefox in addition to IE. Getting that guarantee did take them a week, and only happened because I found a sympathetic bank manager who was willing to pressure them on my behalf.