Well, I'm emmigrating to Germany where regular banks are a rip off, just like here (not uncommon to pay €65 annually for credit cards). dkb won the waren-stiftung finanz test a couple of months ago, a reputable consumer organisation over there. I have no idea if you actually have to live there or not but I'm sure under EU rules they'd have to let you bank with them. However-they have a limited number of walk in branches (mostly in East Germany strangely) where you can actually talk to someone if you need to (in german only). They also ony operate a german language only online service, so I suppose ABN would be better with their english one (for most people here anyway).