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The most visible European neobanks in Netherlands, October 2026

October 2026 · 15 questions asked from Netherlands in Dutch and English · ChatGPT, Google AI Overviews, Gemini and Google AI Mode · 60 answers read

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.

Leader

Revolut

64%of answers name it

Most cited source

consumentenbond.nl

28citations

From Google AI Mode, Gemini, Google AI Overviews and ChatGPT

Where engines disagree most

N26

1/4engines put it in their top three

Top three on Google AI Mode, not on Gemini, Google AI Overviews and ChatGPT

Brands

Rank Brand Rank change Heralded Score Score trend Mentioned Recommended By engine Mentioned by Change
– imagin Unranked Too few answers
–
  • : Unranked
 0% 0% None First reading
– isybank Unranked Too few answers
–
  • : Unranked
 0% 0% None First reading
– Klarna SE Unranked Too few answers
–
  • : Unranked
 0% 0% None First reading
– Kontist Unranked Too few answers
–
  • : Unranked
 0% 0% None First reading
– Kroo Unranked Too few answers
–
  • : Unranked
 0% 0% None First reading
– Lunar DK Unranked Too few answers
–
  • : Unranked
 0% 0% None First reading
– Mettle Unranked Too few answers
–
  • : Unranked
 0% 0% None First reading
– Monabanq Unranked Too few answers
–
  • : Unranked
 0% 0% None First reading
– Monese GB Unranked Too few answers
–
  • : Unranked
 0% 0% None First reading
– Monzo GB Unranked Too few answers
–
  • : Unranked
 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. 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

5 new entries

Drop-outs

No drop-outs.

Most cited sources

Rank Source Type Cited in Engines Pages cited Brands its pages mention
11 bankinformatiepunt.nl Consultancy 5.0% 3 of 4 6 Not read
12 bankingreview.nl Review site 8.3% 3 of 4 3 Not read
13 belastingdienst.nl Regulator 3.3% 1 of 4 6 Not read
14 ing.nl Vendor site 10.0% 4 of 4 6 Not read
15 wijzeringeldzaken.nl Regulator 6.7% 2 of 4 4 Not read
16 banken.nl Directory 8.3% 3 of 4 3 Not read
17 government.nl Regulator 1.7% 1 of 4 5 Not read
18 nibud.nl Reference 5.0% 2 of 4 4 Not read
19 overstapservice.nl Vendor site 5.0% 3 of 4 4 Not read
20 dyme.app Vendor site 6.7% 2 of 4 1 Not read

The questions, and who wins each

QuestionLanguageWins it
Wat zijn de beste Nederlandse neobanken voor particulieren? Dutch bunq
Hoe beheer ik mijn dagelijkse geldzaken met een Nederlandse digitale bank? Dutch No brand recommended
Hoe kan ik in Nederland betalen zonder hoge bankkosten? Dutch bunq, N26, Revolut and Wise, tied
Hoe kan ik als freelancer geld ontvangen en uitgeven in meerdere landen? Dutch Wise
Hoe kan ik in het buitenland betalen zonder geld te verliezen aan wisselkosten? Dutch Revolut
Hoe stap ik over naar een Nederlandse digitale bank? Dutch Knab
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 bunq, N26, Revolut and Wise, tied
Ik ben student en zoek een digitale rekening om in Nederland mee te betalen. Welke kan ik het beste kiezen? Dutch bunq
Ik ben zelfstandig ondernemer en wil betalingen uit meerdere landen ontvangen. Wat zijn mijn mogelijkheden? Dutch Wise

Each engine's top three

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.

How the leaderboards are measured