1) I need to have foreign currency accounts. My bank has them, but I'm unable to see the accounts when I log in. They've known about this for 4 months now, and I keep getting sent in circles by the Indian call centre. They've sent me to branch twice, with no coordination, the people in the branch can't help me either.
2) I need to have an end-of-year statement for my taxes. It seems someone messed up the SQL or something, because I have statements for every month, except the end of the year. They haven't fixed this either.
So I've started looking around for other banks, but most of the challenger banks don't do multi currency accounts.
I'm in the market for a new personal account as well. Revolut works just fine technically, but I don't like what's being said about them and I'd rather not support them now.
It would be nice to have business and personal together, but that seems hard to find among the challenger banks, since they seem to not do FX. (I've emailed several over the past week.)
Lastly TransferWise does Borderless, which seems like exactly what I need, but it seems to not be a real bank account. Certain online businesses require withdrawals to be to someone (or a business) whose name matches what they have as their account details, and that doesn't work with their scheme.