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This is both a very simple, yet very difficult task for the incumbent banks to address, so it helps if you add some facts into the story.

HSBC uses (still does, as far as I know..) RMA Consulting (part of NTT DATA) to design its UX. The very skilled and experienced design team there are well known in banking for their multi-award winning Project Neo, where they will have had to integrate with significanlty more back-end systems than Mr. Blomfield at Monzo, to deliver what they did there.

Maybe that's the problem..?

And whilst Revolut, Starling and Monzo charge less than NatWest.. et al, none of these three banks turn a decent profit (yet...) 

Maybe that's a problem..?

Needless to say, I venture that almost all Customers here in the UKhave a problem with their bank(s), yet very few do anything about it - most think that all the banks are the same. I know it could and should be better than it is.