As a Norwegian with no affiliation, a huge shout-out to Sbanken (earlier Skandiabanken) for providing anyone with no setup fee (at least when I got mine almost

As a Norwegian with no affiliation, a huge shout-out to Sbanken (earlier Skandiabanken) for providing anyone with no setup fee (at least when I got mine almost 20 years ago), free unlimited accounts, no credit or debit card fees (even abroad!) other than a standard yearly renewal fee, and all-round fantastic service. Their "secret" is so simple it's ridiculous: they are online only - all services are through their web site. They also enforce multi-factor authentication using any one of several services, most of which can also be used with other banks and government websites. I've many a time longed for something like it while living in various other Western countries, but for some reason (regulation, inertia?) there seems to be nothing like it elsewhere.