The most visible business bank accounts in France, October 2026

October 2026 · 15 questions asked from France in French and English · ChatGPT, Google AI Overviews, Gemini and Google AI Mode · 60 answers read

Leader

Qonto

63Heralded Score, range 49–74

Most cited source

legalplace.fr

5citations

From Google AI Mode, Gemini, Google AI Overviews and ChatGPT

Where engines disagree most

Indy

1/4engines put it in their top three

Top three on Google AI Overviews, not on Google AI Mode, Gemini and ChatGPT

Brands

Search is not measured for this board yet, so it ranks on AI answers.

Rank Brand Rank change Heralded Score All AI Score trend Mentioned Recommended By engine Mentioned by Change
1 Qonto FR New entry 63 , range 49–74 63#1
63
  • : score 63 · #1
67% 32% First reading
2 Shine FR New entry 56 , range 44–70 56#2
56
  • : score 56 · #2
58% 29% First reading
3 Revolut Business GB New entry 46 , range 37–59 46#3
46
  • : score 46 · #3
41% 24% First reading
4 Indy FR New entry 42 , range 34–52 42#4
42
  • : score 42 · #4
36% 19% First reading
5 Hello bank! Pro FR New entry 23 , range 7–37 23#5
23
  • : score 23 · #5
14% 8% None First reading
6 Wise Business GB New entry 15 , range 6–35 15#6
15
  • : score 15 · #6
17% 1% None First reading
7 Finom NL New entry 12 , range 5–34 12#7
12
  • : score 12 · #7
13% 4% First reading
8 Mercury US New entry 7 , range 3–32 7#8
7
  • : score 7 · #8
10% 1% None First reading
9 N26 DE New entry 5 , range 2–29 5#9
5
  • : score 5 · #9
8% 0% First reading
10 Relay CA New entry 4 , range 1–25 4#10
4
  • : score 4 · #10
6% 0% None 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 gives each brand’s score and rank from the engines’ answers; Search is not measured for this board yet. 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 legalplace.fr Vendor site 8.3% 4 of 4 4 6
2 pennylane.com Vendor site 8.3% 3 of 4 2 6
3 connectpay.com Vendor site 6.7% 3 of 4 2 Not read
4 xtransfer.com Vendor site 1.7% 1 of 4 4 Not read
5 satchel.eu Vendor site 5.0% 1 of 4 3 Not read
6 spendesk.com Vendor site 1.7% 1 of 4 3 Not read
7 dougs.fr Vendor site 3.3% 2 of 4 1 10
8 experian.com Vendor site 3.3% 2 of 4 2 Not read
9 jetonbank.com Vendor site 1.7% 1 of 4 2 Not read
10 pleo.io Vendor site 3.3% 2 of 4 2 Not read

Questions asked

QuestionLanguageMost recommended
best business bank account for small businesses English Chase, Indy, Qonto, Revolut Business and Shine, tied
online business account for freelancers English Indy, Qonto, Revolut Business, Shine and Wise Business, tied
how to open a business bank account online English American Express Business Checking, Mercury and Qonto, tied
how to manage company expenses with team cards English Qonto
digital business account vs traditional bank for startups English Qonto, Revolut Business and Shine, tied

Each engine's top three

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.

How the leaderboards are measured