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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
– Revolvut Unranked Too few answers
–
  • : Unranked
 1% 0% First reading
– Saldo Bank LT Unranked Too few answers
–
  • : Unranked
 0% 0% None First reading
– Salt Bank RO Unranked Too few answers
–
  • : Unranked
 0% 0% None First reading
– Shine Unranked Too few answers
–
  • : Unranked
 0% 0% None First reading
– Sogexia Unranked Too few answers
–
  • : Unranked
 0% 0% None First reading
– Starling GB Unranked Too few answers
–
  • : Unranked
 0% 0% First reading
– Sumeria Unranked Too few answers
–
  • : Unranked
 0% 0% None First reading
– Tandem Bank Unranked Too few answers
–
  • : Unranked
 0% 0% None First reading
– Tide Unranked Too few answers
–
  • : Unranked
 0% 0% None First reading
– Tinaba 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
11Withheld. Run a full Snapshot to see it.
12Withheld. Run a full Snapshot to see it.
13 iatiseguros.com Vendor site 8.3% 3 of 4 1 Not read
14Withheld. Run a full Snapshot to see it.
15Withheld. Run a full Snapshot to see it.
16 consumo.gob.es Regulator 3.3% 1 of 4 4 Not read
17 freenance.io Vendor site 3.3% 1 of 4 2 11
18Withheld. Run a full Snapshot to see it.
19Withheld. Run a full Snapshot to see it.
20 remitly.com Vendor site 5.0% 2 of 4 2 Not read

The questions, and who wins each

QuestionLanguageWins it
best neobank for everyday banking in europe English N26 and Revolut, tied
mobile banking for people living in europe English bunq, N26, Revolut and Wise, tied
best digital bank for european residents who travel English N26, Revolut and Wise, tied
how can i manage my money across european countries English Revolut and Wise, tied
how to pay bills and track spending from my phone English Revolut

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