Would Fineco fit this purpose?
It's a free account (or 4) in GBP/EUR/USD/CHF if memory serves right. Card in one of GBP/EUR free, other for a small yearly fee. GBP account has sort code and free SEPA transfers can be made from the EUR account.
Exchange rates seemed good, and the site is available in English, plus they speak English.
I think the only thing on your list I cannot cover is the iOS app - I have only used their website. Not sure if it's modern, but it works.