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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

youtube.com

23citations

From Google AI Mode 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
– Holvi FI Unranked Too few answers
–
  • : Unranked
 0% 0% None First reading
– HYPE Unranked Too few answers
–
  • : Unranked
 0% 0% None First reading
– illimity Unranked Too few answers
–
  • : Unranked
 0% 0% None First reading
– isybank Unranked Too few answers
–
  • : Unranked
 0% 0% None First reading
– Knab Unranked Too few answers
–
  • : Unranked
 2% 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

“=” 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
11 connectpay.com Vendor site 6.7% 3 of 4 2 5
12 consumo.gob.es Regulator 3.3% 1 of 4 4 Not read
13 freenance.io Vendor site 3.3% 1 of 4 2 11
14 gocardless.com Vendor site 5.0% 2 of 4 4 Not read
15 javilinares.com Unclassified 6.7% 3 of 4 2 Not read
16 remitly.com Vendor site 5.0% 2 of 4 2 Not read
17 banks.eu Directory 3.3% 1 of 4 2 4
18 bleap.finance Vendor site 5.0% 2 of 4 1 Not read
19 coinscrapfinance.com Unclassified 5.0% 1 of 4 2 Not read
20 cuentica.com Vendor site 5.0% 3 of 4 1 Not read

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