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 |
|---|---|---|---|---|---|---|
| 11 | | Regulator | 1.9% | 3 of 4 | 12 | Not read |
| 12 | | Vendor site | 2.6% | 1 of 4 | 14 | Not read |
| 13 | | Regulator | 1.9% | 2 of 4 | 11 | Not read |
| 14 | | Media | 2.9% | 4 of 4 | 8 | Not read |
| 15 |  instagram.com | Social | 2.4% | 1 of 4 | 12 | Not read |
| 16 | | Media | 3.1% | 3 of 4 | 1 | 7 |
| 17 | | Vendor site | 2.4% | 2 of 4 | 5 | 10 |
| 18 | | Vendor site | 1.9% | 3 of 4 | 7 | Not read |
| 19 | | Directory | 2.4% | 1 of 4 | 4 | 4 |
| 20 | | Vendor site | 2.1% | 3 of 4 | 8 | Not read |
Questions asked
| Question | Language | Most recommended |
|---|---|---|
| Hoe stap ik over naar een Nederlandse digitale bank? | Dutch | |
| Wat zijn alternatieven voor bankfilialen om mijn geldzaken in Nederland te regelen? | Dutch | No brand recommended |
| Wat zijn alternatieven voor traditionele banken voor dagelijkse betalingen in Nederland? | Dutch | |
| Ik ben student en zoek een digitale rekening om in Nederland mee te betalen. Welke kan ik het beste kiezen? | Dutch | |
| Ik ben zelfstandig ondernemer en wil betalingen uit meerdere landen ontvangen. Wat zijn mijn mogelijkheden? | Dutch | |
| Best neobank for everyday banking in the Netherlands | English | |
| Mobile banking for people living in the Netherlands | English | |
| Best digital bank for Dutch residents who travel | English | |
| How can I manage my money across the Netherlands? | English | |
| How can I pay bills and track my spending from my phone? | English | No brand recommended |
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.