Edit: I see he did look at Revolut, would be nice to be able to read the whole thing haha.
I've never used Bunq or N26. But I did include Revolut!
Monzo are outstanding.
Barclays are surprisingly great.
Revolut and Starling are both incredible compared to the traditional banks.
I think those 3 statements are all true and fair!
I don't have a non-paywall TC link though, sorry.
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.
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/
Credit unions are forbidden from ever becoming "too big to fail," and are forced to focus on customers because that's all they can do.
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.