Leader
75Heralded Score, range 44–82
The most visible European neobanks in France, October 2026
Most cited source
23citations
From Google AI Overviews and ChatGPT
Where engines disagree most
They agree
Every engine names the same top three.
Brands
| Rank | Brand | Rank change | Heralded Score All | AI | Search | Score trend | Mentioned | Recommended | By engine | Mentioned by | Change |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 11 | | New entry | 8 , range 2–47 | 9= #7 | 6#18 | 8
| 8% | 2% | | First reading | |
| 12 | | New entry | 6 , range 1–39 | 3#12 | 11#13 | 6
| 4% | 0% | | First reading | |
| 13 | | New entry | 5 , range 1–37 | 2#13 | 10#14 | 5
| 3% | 0% | | First reading | |
| – | | Unranked | Too few answers | Not measured | 0= #23 | –
| 0% | 0% | None | First reading | |
| – | | Unranked | Too few answers | Not measured | 0= #23 | –
| 0% | 0% | None | First reading | |
| – | | Unranked | Too few answers | Not measured | 0= #23 | –
| 0% | 0% | None | First reading | |
| – | | Unranked | Too few answers | Not measured | 0= #23 | –
| 0% | 0% | None | First reading | |
| – | | Unranked | Too few answers | Not measured | 0= #23 | –
| 0% | 0% | None | First reading | |
| – | | Unranked | Too few answers | Not measured | 37#8 | –
| 4% | 1% | | First reading | |
| – | | Unranked | Too few answers | Not measured | 4#19 | –
| 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. AI and Search give each brand’s score and rank on that side alone. 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 | | Vendor site | 6.7% | 2 of 4 | 3 | 5 |
| 12 | | Review site | 6.7% | 2 of 4 | 2 | Not read |
| 13 | | Directory | 3.3% | 1 of 4 | 2 | 2 |
| 14 | | Vendor site | 5.0% | 2 of 4 | 2 | 2 |
| 15 | | Media | 5.0% | 1 of 4 | 1 | 7 |
| 16 | | Media | 5.0% | 1 of 4 | 2 | 1 |
| 17 | | Social | 5.0% | 1 of 4 | 3 | Not read |
| 18 | | Regulator | 3.3% | 1 of 4 | 3 | Not read |
| 19 | | Review site | 5.0% | 2 of 4 | 3 | Not read |
| 20 | | Regulator | 5.0% | 2 of 4 | 2 | Not read |
Questions asked
| Question | Language | Most recommended |
|---|---|---|
| Quelles sont les meilleures banques en ligne européennes pour les particuliers ? | French | |
| Comment gérer mon argent au quotidien avec une banque en ligne européenne ? | French | |
| Comment payer en Europe sans avoir de frais bancaires élevés ? | French | |
| Comment un freelance peut-il recevoir et dépenser de l’argent dans plusieurs pays ? | French | |
| Comment payer à l’étranger sans perdre d’argent au change ? | French | |
| Comment transférer mon compte bancaire vers une banque en ligne européenne ? | French | No brand recommended |
| Quelles alternatives aux agences bancaires existe-t-il pour gérer son argent en Europe ? | French | No brand recommended |
| Quelles alternatives aux banques traditionnelles existe-t-il pour les paiements du quotidien en Europe ? | French | |
| Je suis étudiant et j’ai besoin d’un compte en ligne pour mes dépenses en Europe. Que me conseillez-vous ? | French | |
| Je suis indépendant et je voudrais recevoir des paiements depuis plusieurs pays. Quelles sont mes options ? | French | |
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.