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The most visible European neobanks on ChatGPT, October 2026

October 2026 · 12 questions asked in English, worldwide · ChatGPT · 24 answers read

Leader

Revolut

58%of answers name it

Where engines disagree most

One engine

This page reads ChatGPT only. Set Engine to All to compare them.

Brands

Rank Brand Heralded Score Mentioned Recommended By engine Mentioned by Change
1 Revolut GB 62 , range 42–78 58% 33% None First reading
2 Wise GB 36 , range 22–54 25% 17% First reading
3 N26 DE 34 , range 20–50 25% 13% First reading
= 4 bunq NL 32 , range 17–48 17% 17% First reading
= 4 Monzo GB 32 , range 17–48 21% 13% None First reading
6 Trade Republic DE 23 , range 11–42 13% 8% None First reading
– Curve GB Too few answers 0% 0% None First reading
– Finom NL Too few answers 0% 0% None First reading
– Genome Too few answers 0% 0% None First reading
– Green-Got FR 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.

Most cited sources

Rank Source Type Cited in Engines Pages cited Brands its pages mention
1 consumerfinance.gov Regulator 25.0% 1 of 4 12 0
2Withheld. Run a full Snapshot to see it.
3 fdic.gov Regulator 20.8% 1 of 4 9 0
4Withheld. Run a full Snapshot to see it.
5 bunq.com Brand site 12.5% 1 of 4 5 2
6Withheld. Run a full Snapshot to see it.
7Withheld. Run a full Snapshot to see it.
8Withheld. Run a full Snapshot to see it.
9 n26.com Brand site 16.7% 1 of 4 4 1
10 sofi.com Vendor site 16.7% 1 of 4 3 0

The questions, and who wins each

QuestionLanguageWins it
neobanks with the best support English No brand recommended
which neobanks do experts recommend 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