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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
– VIMpay Unranked Too few answers
–
  • : Unranked
 0% 0% None First reading
– Vivid DE Unranked Too few answers
–
  • : Unranked
 1% 0% None First reading
– Widiba Unranked Too few answers
–
  • : Unranked
 0% 0% None First reading
– Zempler Bank Unranked Too few answers
–
  • : Unranked
 0% 0% None First reading
– Zopa 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
11Withheld. Run a full Snapshot to see it.
12 dutchreview.com Media 13.3% 3 of 4 4 Not read
13 n26.com Brand site 10.0% 2 of 4 6 1
14Withheld. Run a full Snapshot to see it.
15Withheld. Run a full Snapshot to see it.
16Withheld. Run a full Snapshot to see it.
17Withheld. Run a full Snapshot to see it.
18Withheld. Run a full Snapshot to see it.
19Withheld. Run a full Snapshot to see it.
20 banken.nl Directory 8.3% 3 of 4 3 Not read

The questions, and who wins each

QuestionLanguageWins it
Best neobank for everyday banking in the Netherlands English bunq
Mobile banking for people living in the Netherlands English Revolut
Best digital bank for Dutch residents who travel English bunq, Revolut and Wise, tied
How can I manage my money across the Netherlands? English Wise
How can I pay bills and track my spending from my phone? English No brand recommended

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