[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.