Bunq has top-tier banking services. Im not a huge fan of world-saving and UI redesigns and increased cost of subscription, but you cant deny they are not the best. Just the speed of transactions alone, and the way money so easily distributes between my various specific accounts... The amount of sub-accounts you can have, and having multiple accounts with different pin-numbers linked and working with 1 physical card... They have no competition in terms of ease of use and technology, at least in EU.