(Emphasis mine)
I think this is an interesting point. For me, I think that a high-street API-driven physical front-end would be really useful. I wittered about that here
In terms of missing features, I think there’s a lot of polish and improvement to be had - but that’s natural. What I’d really like to see, though, is clear differentiation between digital banks…
… which is where this comes in. I don’t know Bunq very well, but I have the impression it’s more of a power-user bank which (ironically) might suit many on here more than Monzo - with Monzo hoovering up the (massive) middle of the market.