The most visible business bank accounts in United Kingdom, October 2026

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

Leader

Starling

66Heralded Score, range 30–77

Most cited source

moneysavingexpert.com

13citations

From Google AI Mode, Google AI Overviews and ChatGPT

Where engines disagree most

Wise Business

1/4engines put it in their top three

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

Brands

Rank Brand Rank change Heralded Score All AI Search Score trend Mentioned Recommended By engine Mentioned by Change
11 Zempler Bank New entry 4 , range 1–29 6#11 1= #14
4
  • : score 4 · #11
4% 1% First reading
– ANNA Money Unranked Too few answers Not measured 1= #14
–
  • : Unranked
2% 0% First reading
– Barclays Business Banking GB Unranked Too few answers Not measured 9#10
–
  • : Unranked
3% 1% First reading
– Brex US Unranked Too few answers Not measured 0= #21
–
  • : Unranked
2% 0% None First reading
– bunq NL Unranked Too few answers Not measured 1= #14
–
  • : Unranked
0% 0% None First reading
– Finom NL Unranked Too few answers Not measured 0= #21
–
  • : Unranked
0% 0% None First reading
– Holvi FI Unranked Too few answers Not measured 0= #21
–
  • : Unranked
0% 0% None First reading
– Kontist DE Unranked Too few answers Not measured 0= #21
–
  • : Unranked
0% 0% None First reading
– Libra Internet Bank RO Unranked Too few answers Not measured 0= #21
–
  • : Unranked
0% 0% None First reading
– Mercury US Unranked Too few answers Not measured 0= #21
–
  • : Unranked
2% 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 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 moneysavingexpert.com Media 20.0% 3 of 4 3 5
2 business.gov.uk Regulator 13.3% 3 of 4 3 Not read
3 businessexpert.co.uk Media 8.3% 1 of 4 5 15
4 gov.uk Regulator 3.3% 1 of 4 7 Not read
5 reddit.com Community 10.0% 3 of 4 7 Not read
6 facebook.com Social 3.3% 1 of 4 6 Not read
7 fundingcircle.com Vendor site 10.0% 3 of 4 2 7
8 moneysupermarket.com Review site 10.0% 2 of 4 2 6
9 banksolutions.uk Media 5.0% 1 of 4 2 15
10 comparebusinessaccount.co.uk Review site 8.3% 3 of 4 3 Not read

Questions asked

QuestionLanguageMost recommended
best business bank account for small businesses English Starling
online business account for freelancers English Monzo Business
how to open a business bank account online English No brand recommended
how to manage company expenses with team cards English No brand recommended
digital business account vs traditional bank for startups English HSBC UK, Lloyds, Monzo Business and Starling, 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