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

61Heralded Score, range 48–74

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

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
11 Zempler Bank New entry 6 , range 2–31 6#11
6
  • : score 6 · #11
7% 2% First reading
– ANNA Money Unranked Too few answers Not measured
–
  • : Unranked
3% 0% First reading
– Barclays Business Banking GB Unranked Too few answers Not measured
–
  • : Unranked
2% 2% First reading
– Brex US Unranked Too few answers Not measured
–
  • : Unranked
3% 0% None First reading
– bunq NL Unranked Too few answers Not measured
–
  • : Unranked
0% 0% None First reading
– Finom NL Unranked Too few answers Not measured
–
  • : Unranked
0% 0% None First reading
– Holvi FI Unranked Too few answers Not measured
–
  • : Unranked
0% 0% None First reading
– Kontist DE Unranked Too few answers Not measured
–
  • : Unranked
0% 0% None First reading
– Libra Internet Bank RO Unranked Too few answers Not measured
–
  • : Unranked
0% 0% None First reading
– Mercury US Unranked Too few answers Not measured
–
  • : Unranked
3% 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
11 bestbusiness.co.uk Directory 5.0% 1 of 4 4 Not read
12 capitalise.com Vendor site 6.7% 2 of 4 3 8
13 fca.org.uk Regulator 5.0% 1 of 4 2 Not read
14 finder.com Review site 6.7% 2 of 4 3 1
15 sends.co Vendor site 6.7% 3 of 4 2 12
16 bankofengland.co.uk Regulator 3.3% 1 of 4 2 Not read
17 financeb2b.co.uk Review site 5.0% 2 of 4 1 4
18 payhawk.com Vendor site 3.3% 2 of 4 3 Not read
19 satchel.eu Vendor site 5.0% 2 of 4 3 Not read
20 youtrust.com Vendor site 5.0% 1 of 4 1 11

Questions asked

QuestionLanguageMost recommended
What is the best business bank account for a small company? English Starling
Online business banking for startups English Mettle and Starling, tied
How can a new company open a business bank account online? English Mettle, Monzo Business, Royal Bank of Scotland and Starling, tied
How do I separate my business and personal finances as a freelancer? English No brand recommended
Traditional bank vs. online business account for small businesses English Monzo Business, Starling and Tide, tied
Business account with multiple currencies vs. a local business account for exporters English Airwallex and Wise Business, tied
Alternatives to a traditional bank for a small business account English Wise Business
Alternatives to using a personal account for business payments English Monzo Business, Revolut Business, Starling and Tide, tied
I'm a freelancer starting my company. Which business account should I open? English Starling and Wise Business, tied
I run a small e-commerce business and need a business account with cards for my team. English Revolut Business

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