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Heralded

The most visible European neobanks, October 2026

October 2026 · 12 questions asked in English, worldwide · ChatGPT, Google AI Overviews, Gemini and Google AI Mode · 96 answers read

Leader

Revolut

57%of answers name it

Most cited source

nerdwallet.com

43citations

From Google AI Mode, Google AI Overviews and ChatGPT

Where engines disagree most

Monzo

2/4engines put it in their top three

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

Brands

Rank Brand Rank change Heralded Score Score trend Mentioned Recommended By engine Mentioned by Change
1 Revolut GB New entry 57 , range 47–69
57
  • : score 57 · #1
 57% 31% First reading
2 Wise GB New entry 39 , range 33–47
39
  • : score 39 · #2
 28% 21% First reading
3 N26 DE New entry 35 , range 29–42
35
  • : score 35 · #3
 27% 11% First reading
4 Monzo GB New entry 34 , range 26–41
34
  • : score 34 · #4
 26% 11% First reading
5 bunq NL New entry 33 , range 21–40
33
  • : score 33 · #5
 21% 13% None First reading
6 Starling GB New entry 14 , range 6–33
14
  • : score 14 · #6
 10% 8% None First reading
7 Trade Republic DE New entry 6 , range 3–25
6
  • : score 6 · #7
 5% 4% None First reading
8 Vivid DE New entry 3 , range 1–10
3
  • : score 3 · #8
 3% 1% None First reading
9 Qonto FR New entry 2 , range 1–8
2
  • : score 2 · #9
 3% 0% None First reading
– Curve GB Unranked Too few answers
–
  • : Unranked
 0% 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. By engine has one dot per engine (ChatGPT, Google AI Overviews, Gemini and Google AI Mode), darker the more often it names the brand.

This month's moves

First reading. No comparable previous month yet.

Biggest risers

No clear rise.

Biggest fallers

No clear fall.

Drop-outs

No drop-outs.

Most cited sources

Rank Source Type Cited in Engines Pages cited Brands its pages mention
11Withheld. Run a full Snapshot to see it.
12Withheld. Run a full Snapshot to see it.
13Withheld. Run a full Snapshot to see it.
14Withheld. Run a full Snapshot to see it.
15Withheld. Run a full Snapshot to see it.
16 abill.io Vendor site 2.1% 2 of 4 1 0
17 apple.com Vendor site 2.1% 2 of 4 2 0
18Withheld. Run a full Snapshot to see it.
19 ceocult.com Vendor site 2.1% 1 of 4 1 0
20Withheld. Run a full Snapshot to see it.

The questions, and who wins each

QuestionLanguageWins it
best neobanks English Revolut
neobanks recommendations for travellers English Revolut and Wise, tied
top neobanks in Europe English Revolut
how to choose neobanks English Revolut and Wise, tied
what to look for in neobanks English No brand recommended
neobanks for families English Revolut
neobanks that work with Apple Pay English Monzo
neobanks with GDPR-compliant EU hosting English bunq
best neobanks for freelancers English Wise
most reliable neobanks English No brand recommended

Each engine's top three

Method

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