Now it can be claimed that cheap != low quality and there are certainly some exceptions out there, but generally you get what you par for.
The one time I had to do some non-standard stuff they were pretty slow and a little disorganised, but it still seemed better than the UK banks I've used previously.
The being said, living in Sweden before you get your digital ID set up and everything sorted out in all the right databases seems to be a massive pain. All my non-Swedish colleagues at work have bureaucratic horror stories of their first months in the country.