Would [Fineco][1] 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.

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.


  [1]: https://finecobank.co.uk/public/