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 |
|---|---|---|---|---|---|---|---|---|---|---|
| 21 | | New entry | 2 , range 1–4 | 2#21 | 2
| 2% | 0% | | First reading | |
| 22 | | New entry | 2 , range 1–4 | 2#22 | 2
| 1% | 0% | | First reading | |
| 23 | | New entry | 2 , range 1–4 | 2#23 | 2
| 1% | 1% | None | First reading | |
| 24 | | New entry | 2 , range 1–3 | 2#24 | 2
| 1% | 0% | None | First reading | |
| 25 | | New entry | 2 , range 1–3 | 2#25 | 2
| 1% | 0% | | First reading | |
| 26 | | New entry | 1 , range 1–3 | 1#26 | 1
| 1% | 0% | None | First reading | |
| 27 | | New entry | 1 , range 1–3 | 1#27 | 1
| 0% | 0% | None | First reading | |
| – | | Unranked | Too few answers | Not measured | –
| 0% | 0% | None | First reading | |
| – | | Unranked | Too few answers | Not measured | –
| 0% | 0% | None | First reading | |
| – | | Unranked | Too few answers | Not measured | –
| 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. 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 |
|---|---|---|
| How can I switch my bank account to a European digital bank? | English | |
| What are some alternatives to bank branches for managing money in Europe? | English | |
| What are some alternatives to traditional banks for everyday payments in Europe? | English | |
| I’m a student and need a digital account for spending in Europe. What should I use? | English | |
| I’m self-employed and want to receive payments from multiple countries. What are my options? | English | |
| 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 | |
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.