The most visible B2C European neobanks on Google AI Mode, October 2026

October 2026 · 12 questions asked in English, worldwide · Google AI Mode · 24 answers read

Leader

Revolut

71%of answers name it

Where engines disagree most

One engine

This page reads Google AI Mode only. Set Engine to All to compare them.

Brands

Rank Brand Heralded Score Mentioned Recommended By engine Mentioned by Change
1#1 overall Revolut GB 63 , range 46–78 71% 29% First reading
2#2 overall Wise GB 46 , range 34–67 42% 25% First reading
3#3 overall Monzo GB 44 , range 33–64 42% 21% First reading
4#4 overall N26 DE 35 , range 12–50 25% 13% First reading
5#5 overall bunq NL 31 , range 7–46 17% 13% First reading
6#6 overall Starling GB 21 , range 3–42 13% 8% None First reading
– Curve GB Too few answers 0% 0% First reading
– Green-Got FR Too few answers 0% 0% None First reading
– Lunar DK Too few answers 0% 0% None First reading
– Monese GB Too few answers 0% 0% 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.

Most cited sources

Rank Source Type Cited in Engines Pages cited Brands its pages mention
1 nerdwallet.com Media 33.3% 1 of 4 8 4
2Withheld. Run a full Snapshot to see it.
3 reddit.com Community 20.8% 1 of 4 7 6
4Withheld. Run a full Snapshot to see it.
5Withheld. Run a full Snapshot to see it.
6 cnbc.com Media 8.3% 1 of 4 2 2
7Withheld. Run a full Snapshot to see it.
8Withheld. Run a full Snapshot to see it.
9 bunq.com Brand site 8.3% 1 of 4 2 2
10Withheld. Run a full Snapshot to see it.

The questions, and who wins each

QuestionLanguageWins it
best neobanks English No brand recommended
neobanks recommendations for travellers English Monzo, N26, Revolut and Wise, tied
top neobanks in Europe English bunq, Monzo, N26, Revolut, Starling, Trade Republic and Wise, tied
how to choose neobanks English Monzo, 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 No brand recommended
neobanks with GDPR-compliant EU hosting English bunq and Revolut, tied
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