Hello, I agree with you somewhat but I think that FlowBank have lowered their prices and are now very interesting in comparison with SwissQuote. I opened my account less than two months ago and was positively surprised.
The mobile app is very intuitive but could have more features like more advanced charts and products like cryptocurrencies. However a customer support person told me that they will have crypto and debit cards available in Q1 2022.
We'll see how they continue to innovate.