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The most visible European neobanks in Spain, October 2026

October 2026 · 15 questions asked from Spain in Spanish 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

94%of answers name it

Most cited source

revolut.com

39citations

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 Score trend Mentioned Recommended By engine Mentioned by Change
1 Revolut GB New entry 83 , range 76–89
83
  • : score 83 · #1
 94% 56% First reading
2 Wise GB New entry 71 , range 57–79
71
  • : score 71 · #2
 73% 42% First reading
3 N26 DE New entry 70 , range 55–78
70
  • : score 70 · #3
 70% 41% First reading
4 bunq NL New entry 46 , range 38–60
46
  • : score 46 · #4
 48% 20% First reading
5 Trade Republic DE New entry 10 , range 4–34
10
  • : score 10 · #5
 11% 4% First reading
6 imagin New entry 7 , range 2–32
7
  • : score 7 · #6
 6% 5% None First reading
7 Klarna SE New entry 4 , range 1–24
4
  • : score 4 · #7
 6% 0% None First reading
– Allica Bank Unranked Too few answers
–
  • : Unranked
 0% 0% None First reading
– ANNA Money Unranked Too few answers
–
  • : Unranked
 0% 0% None First reading
– Atom bank 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.

Drop-outs

No drop-outs.

Most cited sources

Rank Source Type Cited in Engines Pages cited Brands its pages mention
1 revolut.com Brand site 30.0% 2 of 4 22 2
2Withheld. Run a full Snapshot to see it.
3Withheld. Run a full Snapshot to see it.
4 n26.com Brand site 20.0% 2 of 4 12 1
5 bunq.com Brand site 16.7% 4 of 4 13 1
6Withheld. Run a full Snapshot to see it.
7 rankia.com Community 16.7% 4 of 4 3 Not read
8Withheld. Run a full Snapshot to see it.
9Withheld. Run a full Snapshot to see it.
10Withheld. Run a full Snapshot to see it.

The questions, and who wins each

QuestionLanguageWins it
¿Cuáles son los mejores neobancos europeos para particulares? Spanish N26, Revolut and Trade Republic, tied
¿Cómo puedo gestionar mis gastos del día a día con un banco digital europeo? Spanish N26 and Revolut, tied
¿Cómo puedo hacer pagos en Europa sin pagar comisiones bancarias elevadas? Spanish Revolut
¿Cómo puede un autónomo recibir y gastar dinero en varios países? Spanish Wise
¿Cómo puedo pagar en el extranjero sin perder dinero al cambiar divisas? Spanish Revolut and Wise, tied
¿Cómo puedo cambiar mi cuenta bancaria a un banco digital europeo? Spanish N26
¿Qué alternativas hay a las sucursales bancarias para gestionar el dinero en Europa? Spanish No brand recommended
¿Qué alternativas hay a los bancos tradicionales para los pagos cotidianos en Europa? Spanish bunq, N26, Revolut and Wise, tied
Soy estudiante y necesito una cuenta digital para gastar en Europa. ¿Cuál me conviene? Spanish N26 and Revolut, tied
Soy autónomo y quiero recibir pagos de varios países. ¿Qué opciones tengo? Spanish Revolut and Wise, tied

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