I have a complicated problem in hand and I need your help with it. But first, I need to set up some context for you.
For my entire life, I lived in Russia (most adult life in Moscow, specifically). For many years before I left it, I was a client of Tinkoff bank, and was extremely satisfied with it. It was the best bank I knew, being the clearest example of new-generation banks aka "fin-tech/virtual" banks, which are entirely digital. They don't have any offices for a client to visit, and it's their core selling point: you don't need to. The bank itself is built from the ground up in such a way that ALL the potential bank-related problems or tasks can be fully resolved online — very easily and quickly, without the need to go anywhere or wait in the long queues as you'd have to in an old-school banks.
Since the bank has no offices, it saves A LOT on ongoing costs, and therefore can provide its clients unprecedented level of service — the one that other banks can only provide for "VIP-tier" clients, at a h