I don't suppose any Bank is perfect. I am not convinced that 'banking' as practiced is a good way to do anything ethical or philosophically justifiable but if we are looking just at personal banking as a service, then FD is as good as it gets in my experience. The app is simple and effective and has developed more facilities over time. The customer service on the phone has always been good or better. The operators know what they are doing and efficient. I rarely do five stars unless there is total satisfaction and consistency. It's getting there.