A question for everyone as we are all different.
What makes a perfect bank for you? Is it instant notifications, rewards on spending, good customer service, branches etc etc etc.
I am curious as everyone has a different opinion on what they prefer to get from their bank.
Customer service, physical branches, savings rates, decent app, in that order.
Instant notifications with vibration, so I actually know when a payment is taken and know if I need to act fast with fraudulent transactions. Lloyds and Barclays are poor examples of this, delayed and also no vibration - if my card got swiped I’d not know until I got a notification for something else.
Nice simplistic layout, no tapping forever to achieve what you want to do (ie make a payment to someone). Monzo, Revolut and Starling have a smooth clean interface, first direct also.
Buttons within thumb reach for most things, not at the top of the screen (Chase is a poor example of this when making a payment to someone).
Personally a card fiend, so I do prefer a bank with a clean card, both Apple Pay and physical. Revolut, Monzo and Chase smash this - except Chase has a weird purple colour Apple Pay card vs the app version or physical.
Bank statements im not too fussed on, but having worked with near all banks in my job, scoping them all day long, Monzo are the absolute worst, Chase is also terrible all down one column for in and out, however, Monzo can’t decide on their layout and sometimes they come in looking terrible.
So just me guessing you must be a fan of Revolut, Monzo and HSBC
HSBC card is terrible, HSBC notifications layout is awful - first direct however has this right.
The put off for fd is they don’t show available balance on the Home Screen of the app, just the account (including pending).
What is your main bank at the moment?
With the new additional (0.000025% chance or whatever it is) of bills back and double payday, I’ll be moving the majority to Monzo.
I do also like to see upcoming bacs payments - Monzo, Starling, HSBC and fd show this. Unsure of any others.
The double payday has encouraged me to get a Monzo Account.
At the moment my main accounts are Lloyds Premier (salary) and Krak (spending)
Krak is ok, though I can make more cash back quicker using the alternatives like Monzo cashback (got 10% at carvery last night £3.03), would need to spend £300 on Krak for that.
I do agree that in other ways I could make cashback much quicker but with Krak I like that every single purchase I do with it, i earn some rewards. Plus I like the card design 
I still live in hope Monzo bring a black card, and also a full dark mode app not that dark blue.
The Monzo Centurion Card
But allows the peasants in too for an extra £ a month 
Instead of Lounge Access we get access to a private table at costa in the corner
instant notifications are a must for me, also a modern app ie Monzo or Starling. Love the ability to see my total spend(per category or merchant). New double salary is a good shout (if you win)
If Monzo sort out their bank statements even better. Also spending pots to be a bit more like Starling spaces (transfers from main account not shown on statement)
In the last few years I’ve opened and closed the following current accounts: Monzo (instant regret - took 18 months to get back), HSBC (awful), Nationwide (pretty good - second only to Monzo).
I have opened and have kept Lloyds as backup mainly because their Ultra credit card has a great APR but I’m pretty much full Monzo now as per my Happy Customer” post elsewhere.
since cheque imaging came into the app I’ve had no need to visit a branch. The only wish I have is that Monzo chat was live/synchronous not asynchronous - but to be fair it’s really rare I’ve needed to contact customer service here.
Clean, well organised/categorised UI, similar to Revolut 
Starling bank used to have a fantastic UI + circle spending graph, but all that is gone 
and replaced with crayons art 
Crypto friendly 
Virtual debit cards 
Definitely well established Analytic tools to monitor spendings and income 
Some competitions & incentives for current customers also nice (not only to onboard newbies) 
CS Ops, who know at least something about their job, eg missing payments, crypto related allowances, additional info, how this & that works, etc 
Probably something that is like starling in terms of simple and modern interface, notifications etc.
I really like how HSBC and FD display a balance at the end of each day. It’s one of pet peeves of mine that starling and Monzo don’t have it, not even as an option.
Monzo with a clean interface?, you’ve changed your tone. 