Leader
57%of answers name it
The most visible European neobanks in France, October 2026
AI: how the engines answer the board's questions; Search: Google's top 10 for the questions' demand keywords; All: both combined. How the Heralded Score works.
Most cited source
4citations
From Gemini and Google AI Overviews
Where engines disagree most
They agree
Every engine names the same top three.
Brands
| Rank | Brand | Rank change | Heralded Score | Score trend | Mentioned | Recommended | By engine | Mentioned by | Change |
|---|---|---|---|---|---|---|---|---|---|
| 1 | | New entry | 75 , range 44–82 | 75
| 57% | 36% | None | First reading | |
| 2 | | New entry | 54 , range 29–73 | 54
| 40% | 21% | None | First reading | |
| 3 | | New entry | 52 , range 23–61 | 52
| 28% | 14% | None | First reading | |
| 4 | | New entry | 49 , range 22–60 | 49
| 27% | 12% | None | First reading | |
| 5 | | New entry | 45 , range 32–75 | 45
| 39% | 28% | None | First reading | |
| 6 | | New entry | 34 , range 21–59 | 34
| 23% | 12% | None | First reading | |
| 7 | | New entry | 23 , range 3–48 | 23
| 12% | 2% | None | First reading | |
| 8 | | New entry | 18 , range 1–42 | 18
| 7% | 1% | None | First reading | |
| 9 | | New entry | 16 , range 2–47 | 16
| 11% | 0% | None | First reading | |
| 10 | | New entry | 13 , range 1–43 | 13
| 7% | 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.
This month's moves
First reading. No comparable previous month yet.
Biggest risers
No clear rise.
Biggest fallers
No clear fall.
New entries
Drop-outs
No drop-outs.
Most cited sources
| Rank | Source | Type | Cited in | Engines | Pages cited | Brands its pages mention |
|---|---|---|---|---|---|---|
| 1 | | Review site | 6.7% | 2 of 4 | 2 | Not read |
| 2 | | Review site | 5.0% | 2 of 4 | 3 | Not read |
| 3 | | Review site | 1.7% | 1 of 4 | 2 | Not read |
| 4 | | Review site | 1.7% | 1 of 4 | 1 | Not read |
| 5 | | Review site | 1.7% | 1 of 4 | 1 | Not read |
| 6 | | Review site | 1.7% | 1 of 4 | 1 | Not read |
| 7 | | Review site | 1.7% | 1 of 4 | 1 | Not read |
The questions, and who wins each
| Question | Language | Wins it |
|---|---|---|
| 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
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Method
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.