The other banks should take notes when…
The other banks should take notes when it comes to making a truly modern interface.
The Spaces feature is amazing when it comes to making virtual piggy banks or savings for a big purchase, because the money you put there cannot be used for payments until you take it back into the main account.
Other people's downsides are neglectable for me. No overdraft but I don't want to be able to buy what I can't afford, no systematic authorization on the card is the reason why Spaces can work the way they do, and I don't know what it's an issue for some.

-1 star because the IBAN is German no matter your home country, which makes some things very impractical. And they don't have a balance widget.