Leader
54Heralded Score, range 33–77
The most visible European neobanks in Italy, October 2026
Where engines disagree most
1/4engines put it in their top three
Top three on ChatGPT, not on Google AI Mode, Gemini and Google AI Overviews
Brands
| Rank | Brand | Rank change | Heralded Score All | AI | Search | Score trend | Mentioned | Recommended | By engine | Mentioned by | Change |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 | | New entry | 54 , range 33–77 | 67#1 | 33#2 | 54
| 46% | 24% | None | First reading | |
| 2 | | New entry | 36 , range 25–67 | 48#2 | 16#4 | 36
| 30% | 17% | None | First reading | |
| 3 | | New entry | 31 , range 23–61 | 43#3 | 10#6 | 31
| 27% | 11% | None | First reading | |
| 4 | | New entry | 30 , range 20–58 | 38#4 | 17#3 | 30
| 25% | 6% | None | First reading | |
| 5 | | New entry | 23 , range 14–55 | 35#5 | 3#15 | 23
| 16% | 8% | None | First reading | |
| 6 | | New entry | 23 , range 5–52 | 29#7 | 14#5 | 23
| 14% | 4% | None | First reading | |
| 7 | | New entry | 20 , range 6–52 | 31#6 | 2= #19 | 20
| 10% | 7% | None | First reading | |
| 8 | | New entry | 18 , range 1–48 | 6#8 | 39#1 | 18
| 8% | 1% | None | First reading | |
| 9 | | New entry | 5 , range 1–43 | 4#10 | 8#7 | 5
| 5% | 0% | None | First reading | |
| 10 | | New entry | 3 , range 1–46 | 5#9 | 0= #24 | 3
| 5% | 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 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
No answer cited a source of this type (Reference).
Questions asked
| Question | Language | Most recommended |
|---|---|---|
| best neobank for everyday banking in Italy | English | |
| mobile banking for people living in Italy | English | |
| best digital bank for Italian residents who travel | English | |
| how can i manage my money across Italy | English | |
| how to pay bills and track 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.