Totally agree on the app UI front - I'm hoping they live up to their promise of being a hub for lots of types of accounts, but that requires a substantial rethi

Totally agree on the app UI front - I'm hoping they live up to their promise of being a hub for lots of types of accounts, but that requires a substantial rethink of their UI, which is still very focussed on one primary account with 'pots' (accounts without an exposed account no), and as you say has many new features tacked on. The UI is not bad IMO, but it'd be nice to see it streamlined a bit. To be fair they have done a bit of that (the payments screen has been improving).