[kurtisc]

I agree. If a bank has physical branches to fall back on, they can squander the online/phone story. This has happened with another bank I use which has a website with a broken account creation form and phone lines that just die.

For most banks, they might as well not have any branches as I can't get to them at a reasonable opening hour and they have no incentive to change that.

[oarsinsync]

> I agree. If a bank has physical branches to fall back on, they can squander the online/phone story

And meanwhile First Direct has a mediocre website and terrible mobile app experience when compared to the likes of Halifax, TSB, RBS, Barclays, all of which are sub-par compared to the likes of Monzo or Starling as far as the app experience goes.

Then again, Monzo and Starling don't have a desktop experience, so good luck if you wan't to do anything more than just looking at a few transactions on the go.