Leader
76Heralded Score, range 73–79
The most visible European neobanks in Europe, October 2026
Most cited source
93citations
From Google AI Mode, Gemini, Google AI Overviews and ChatGPT
Where engines disagree most
They agree
Every engine names the same top three.
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 | | New entry | 4 , range 3–7 | 4#11 | 4
| 4% | 2% | | First reading | |
| 12 | | New entry | 4 , range 2–6 | 4#12 | 4
| 4% | 1% | | First reading | |
| 13 | | New entry | 4 , range 2–6 | 4#13 | 4
| 4% | 0% | None | First reading | |
| 14 | | New entry | 3 , range 2–5 | 3#14 | 3
| 2% | 2% | None | First reading | |
| 15 | | New entry | 3 , range 2–5 | 3#15 | 3
| 3% | 1% | None | First reading | |
| 16 | | New entry | 3 , range 2–5 | 3#16 | 3
| 3% | 1% | None | First reading | |
| 17 | | New entry | 3 , range 2–5 | 3#17 | 3
| 2% | 1% | None | First reading | |
| 18 | | New entry | 2 , range 1–4 | 2#18 | 2
| 2% | 0% | | First reading | |
| 19 | | New entry | 2 , range 1–4 | 2#19 | 2
| 2% | 0% | | First reading | |
| 20 | | New entry | 2 , range 1–4 | 2#20 | 2
| 2% | 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 |
|---|---|---|---|---|---|---|
| 1 | | Regulator | 10.7% | 4 of 4 | 50 | Not read |
| 2 | | Social | 11.0% | 2 of 4 | 59 | Not read |
| 3 | | Review site | 4.5% | 4 of 4 | 12 | Not read |
| 4 | | Media | 5.0% | 4 of 4 | 18 | 4 |
| 5 | | Vendor site | 4.0% | 4 of 4 | 19 | Not read |
| 6 | | Vendor site | 5.5% | 4 of 4 | 24 | 1 |
| 7 | | Vendor site | 4.5% | 3 of 4 | 5 | 9 |
| 8 | | Vendor site | 5.2% | 3 of 4 | 4 | 5 |
| 9 | | Social | 4.3% | 2 of 4 | 18 | Not read |
| 10 | | Community | 5.0% | 3 of 4 | 18 | 1 |
Questions asked
| Question | Language | Most recommended |
|---|---|---|
| best neobank for everyday banking in europe | English | |
| mobile banking for people living in europe | English | |
| best digital bank for european residents who travel | English | |
| how can i manage my money across european countries | English | |
| how to pay bills and track spending from my phone | English | No brand recommended |
| ¿Cuáles son los mejores neobancos europeos para particulares? | Spanish | |
| ¿Cómo puedo gestionar mis gastos del día a día con un banco digital europeo? | Spanish | |
| ¿Cómo puedo hacer pagos en Europa sin pagar comisiones bancarias elevadas? | Spanish | |
| ¿Cómo puede un autónomo recibir y gastar dinero en varios países? | Spanish | |
| ¿Cómo puedo pagar en el extranjero sin perder dinero al cambiar divisas? | Spanish | |
Each engine's top three
Related leaderboards
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.