> That's nice (when it's free), but banking apps are clunky, unfriendly, heavy and slow.

They are all fine for a simple wire transfer.

I do have Intesa myself cause I've got mortgage through them and sending a wire transfer is both simple and fast.

So is on our other accounts: BBVA (Italian), mBank (Polish), Credem (Italian), Mediobanca (IT) and XTB and Revolut (both PL and IT).

I think you're really describing a 10 year old non-issue.