The is the most simple mobile bank I…
The is the most simple mobile bank I have ever used. 
The customer service answers quickly and is very friendly. 
I love the Spaces feature - I am able to put money aside without creating another account or withdraw it.

There are few things to improve though: 
1) It is so irritating that when my fingerprint login doesn't work anymore, but it wants to get the password, I have to go to the settings to confirm AGAIN that I want to use my finger print. Why doesn't the app can learn that? Why the system resets my settings? Isn't this against "usability rules" which says that the user should have control over his/her options/ways of using the system?

2) When I change the category for e.g. Vodafone which is recurrent expense and is taken automatically from my account, the app doesn't learn the new category, but I have the change the category every single time - every month. This is not difficult to implement. It is just couple of rows of code. I think this feature affect on the expenses pie chart also, and that way it has quite big impact on the system. The user needs to make unnecessary acts to keep the expenses pie chart up-to-date, even though it is easy to automise.

3) On website, I have to go to my profile to be able to logout. Why there is no logout possibility in the main navigation / every page. This is against commonly know place to find logout functionality (which preferably should be followed in UX design). It took me a while to find a way to logout and caused frustration. 

But all in all, this is the best solution/system _in Germany_, but not Europe. Take a look of the solution of the Nordic web banks. Don't copy, but e.g. Danske Bank and Nordea have good features, solutions for many of above problems.