I use Lloyds for business, NatWest for personal and have used NatWest for business in the past. The only thing that keeps me with NatWest is laziness. They closed every branch for miles around, Lloyds I have 3 near by branches. Lloyds online security feels secure, always has done. NatWest isn't as bad as it was 9 months ago but they only got their shit together when kicked by the EU. Lloyds send me proper business invoices, NatWest's were a joke. NatWest are constantly switching off paper statements, Lloyds leave my settings as I set them. Must get around to moving....
Can't comment on apps, don't trust 'em, trust the platform even less, won't use 'em.