Leader
64Heralded Score, range 29–78
The most visible business bank accounts, October 2026
Most cited source
28citations
From Google AI Mode, Google AI Overviews and ChatGPT
Where engines disagree most
1/4engines put it in their top three
Top three on Google AI Mode, not on Gemini, Google AI Overviews and ChatGPT
Brands
| Rank | Brand | Rank change | Heralded Score All | AI | Search | Score trend | Mentioned | Recommended | By engine | Mentioned by | Change |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Relay | New entry | 64 , range 29–78 | 58#1 | 74#4 | 64
| 43% | 31% | | First reading | |
| 2 | | New entry | 59 , range 26–74 | 50#2 | 76#1 | 59
| 44% | 24% | | First reading | |
| 3 | | New entry | 49 , range 11–61 | 33#3 | 76#3 | 49
| 25% | 16% | | First reading | |
| 4 | | New entry | 44 , range 5–54 | 28#5 | 72#6 | 44
| 21% | 4% | | First reading | |
| 5 | | New entry | 33 , range 6–53 | 31#4 | 36#10 | 33
| 18% | 3% | | First reading | |
| 6 | | New entry | 29 , range 1–45 | 3#12 | 74#5 | 29
| 10% | 9% | | First reading | |
| 7 | | New entry | 29 , range 1–46 | 4#11 | 71#8 | 29
| 13% | 0% | | First reading | |
| 8 | | New entry | 16 , range 2–48 | 10#7 | 26#11 | 16
| 9% | 3% | | First reading | |
| 9 | | New entry | 14 , range 2–48 | 8#9 | 25#12 | 14
| 6% | 4% | | First reading | |
| 10 | | New entry | 8 , range 3–48 | 10#8 | 5#15 | 8
| 8% | 2% | | First reading |
“=” marks brands whose score ranges overlap, so the test cannot separate them. Every brand named in at least three answers is ranked. AI and Search give each brand’s score and rank on that side alone. By engine has one dot per engine (ChatGPT, Google AI Overviews, Gemini and Google AI Mode), darker the more often it names the brand.
Most cited sources
| Rank | Source | Type | Cited in | Engines | Pages cited | Brands its pages mention |
|---|---|---|---|---|---|---|
| 1 | | Media | 28.3% | 3 of 4 | 11 | 12 |
| 2 | | Social | 15.0% | 1 of 4 | 13 | Not read |
| 3 | | Vendor site | 18.3% | 2 of 4 | 5 | 1 |
| 4 | | Regulator | 10.0% | 1 of 4 | 3 | Not read |
| 5 | | Media | 10.0% | 3 of 4 | 2 | 10 |
| 6 | | Regulator | 5.0% | 1 of 4 | 5 | Not read |
| 7 | | Media | 10.0% | 2 of 4 | 2 | 10 |
| 8 | | Regulator | 6.7% | 1 of 4 | 5 | Not read |
| 9 | | Community | 6.7% | 2 of 4 | 4 | 16 |
| 10 | | Media | 5.0% | 1 of 4 | 3 | 11 |
Questions asked
| Question | Language | Most recommended |
|---|---|---|
| What is the best business bank account for a small company? | English | |
| Online business banking for startups | English | |
| How can a new company open a business bank account online? | English | |
| How do I separate my business and personal finances as a freelancer? | English | |
| Traditional bank vs. online business account for small businesses | English | Relay |
| Business account with multiple currencies vs. a local business account for exporters | English | |
| Alternatives to a traditional bank for a small business account | English | Relay |
| Alternatives to using a personal account for business payments | English | |
| I'm a freelancer starting my company. Which business account should I open? | English | Relay |
| I run a small e-commerce business and need a business account with cards for my team. | English | Relay |
Each engine's top three
Google AI Mode
- 1
Mercury
- 2
Wise Business
Gemini
Google AI Overviews
- 1
- 2 Relay
- 3
Bank of America
ChatGPT
Related leaderboards
Method
Each leaderboard ranks brands on two sides. AI is how ChatGPT, Gemini, Google AI Overviews and Google AI Mode answer the board's buyer questions. Search is Google's top 10 results for the keywords behind those questions. All combines the two, where Search is measured.
For the AI side, each month Heralded asks every engine the same buyer questions, twice each, and reads every answer. An answer counts 0 for a brand it leaves out, 50 for a brand it names and 100 for a brand it recommends, and the Heralded Score is built from those. A brand named in at least three answers gets a score and a place.