Leader
57%of answers name it
The most visible European neobanks, October 2026
Most cited source
43citations
From Google AI Mode, Google AI Overviews and ChatGPT
Where engines disagree most
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 | | New entry | 57 , range 47–69 | 57
| 57% | 31% | | First reading | |
| 2 | | New entry | 39 , range 33–47 | 39
| 28% | 21% | | First reading | |
| 3 | | New entry | 35 , range 29–42 | 35
| 27% | 11% | | First reading | |
| 4 | | New entry | 34 , range 26–41 | 34
| 26% | 11% | | First reading | |
| 5 | | New entry | 33 , range 21–40 | 33
| 21% | 13% | | First reading | |
| 6 | | New entry | 14 , range 6–33 | 14
| 10% | 8% | | First reading | |
| 7 | | New entry | 6 , range 3–25 | 6
| 5% | 4% | None | First reading | |
| 8 | | New entry | 3 , range 1–10 | 3
| 3% | 1% | None | First reading | |
| 9 | | New entry | 2 , range 1–8 | 2
| 3% | 0% | None | First reading | |
| – | | Unranked | Too few answers | –
| 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.
Most cited sources
| Rank | Source | Type | Cited in | Engines | Pages cited | Brands its pages mention |
|---|---|---|---|---|---|---|
| 1 | | Brand site | 10.4% | 3 of 4 | 11 | 0 |
| 2 | | Brand site | 5.2% | 2 of 4 | 7 | 0 |
| 3 | | Brand site | 7.3% | 3 of 4 | 6 | 0 |
| 4 | Withheld. Run a full Snapshot to see it. | |||||
| 5 | Withheld. Run a full Snapshot to see it. | |||||
| 6 | | Brand site | 2.1% | 1 of 4 | 3 | 0 |
| 7 | Withheld. Run a full Snapshot to see it. | |||||
| 8 | Withheld. Run a full Snapshot to see it. | |||||
| 9 | Withheld. Run a full Snapshot to see it. | |||||
| 10 | Withheld. Run a full Snapshot to see it. | |||||
The questions, and who wins each
| Question | Language | Wins it |
|---|---|---|
| best neobanks | English | |
| neobanks recommendations for travellers | English | |
| top neobanks in Europe | English | |
| how to choose neobanks | English | |
| what to look for in neobanks | English | No brand recommended |
| neobanks for families | English | |
| neobanks that work with Apple Pay | English | |
| neobanks with GDPR-compliant EU hosting | English | |
| best neobanks for freelancers | English | |
| most reliable neobanks | English | No brand recommended |
Each engine's top three
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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.