86 400 is a fully digital bank, meaning they don't have any branches, or any of their own ATMs. However, regardless of this, they are a bank that is competitive with the 4 major banks, and in some cases, offers features, or fees, that are better than the 4 majors. They also listen to customer feedback, and have been improving their smartphone app, adding in features like scheduled payments, and allowing you to view account balances from other banks.
The app is easy to use and I can view all my bank accounts from the one app. It offers instant payment and very easy to navigate. I would recommend this to anyone with a smart phone.
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