Nice, as a bunq user (it's a Dutch bank but targets the entire EU) I wondered what you think, the 3 I mentioned are often seen as direct competitors when it comes to being a modern, app-first bank. bunq has some nice things like being able to swap your card to any of your 25 sub-accounts (ibans), virtual MAsterCards, Apple Watch integration, Android NFC and Apple pay enabled. I really like bunq. The more expensive (like really expensive) supergreen subscription has zapier integration even.
I think the summary is that the challenger banks are better because they have been built from the ground up to have a good user experience. The only problem is that great user experience comes at a cost: the development and running costs are expensive and good user experience can hinder the ability to up-sell to the products that make traditional banks the most money.
Plug: My company powers a white-labeled digital account opening product for credit unions and community banks across the United States. There are still over 10,000 of them believe it or not! We are trying to help them better compete with the top 10 banks.
You can join one of our credit union customers no matter where you live in the U.S. and it only takes 2 minutes: https://open.langleyfcu.org/
In the US, I've found Chase bank has the best UI/UX for the major banks in the US.
I'm looking forward to Marcus (people behind the Apple Card) releasing a consumer checking account and Marcus branded credit card. Their UI/UX has been the best so far, but so far is limited to savings and loans.
https://www.bunq.com/
https://n26.com
https://www.revolut.com
Edit: I see he did look at Revolut, would be nice to be able to read the whole thing haha.