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The most visible European neobanks in United Kingdom, October 2026

October 2026 · 15 questions asked from United Kingdom in 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

59%of answers name it

Most cited source

wise.com

48citations

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

Where engines disagree most

N26

2/4engines put it in their top three

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

Brands

Rank Brand Rank change Heralded Score Score trend Mentioned Recommended By engine Mentioned by Change
1 Revolut GB New entry 75 , range 47–82
75
  • : score 75 · #1
 59% 34% First reading
2 Wise GB New entry 66 , range 46–81
66
  • : score 66 · #2
 54% 36% First reading
3 N26 DE New entry 55 , range 27–70
55
  • : score 55 · #3
 37% 20% First reading
4 Monzo GB New entry 53 , range 27–67
53
  • : score 53 · #4
 32% 19% First reading
5 Starling GB New entry 43 , range 20–58
43
  • : score 43 · #5
 25% 11% First reading
6 bunq NL New entry 42 , range 24–64
42
  • : score 42 · #6
 31% 14% First reading
7 Klarna SE New entry 13 , range 0–71
13
  • : score 13 · #7
 2% 0% None First reading
8 Chase UK New entry 9 , range 2–46
9
  • : score 9 · #8
 6% 3% None First reading
9 Qonto FR New entry 9 , range 0–71
9
  • : score 9 · #9
 3% 1% None First reading
10 Tide New entry 7 , range 0–70
7
  • : score 7 · #10
 1% 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 wise.com Brand site 46.7% 4 of 4 29 10
2Withheld. Run a full Snapshot to see it.
3 n26.com Brand site 11.7% 1 of 4 8 1
4Withheld. Run a full Snapshot to see it.
5 starlingbank.com Brand site 8.3% 2 of 4 7 1
6Withheld. Run a full Snapshot to see it.
7Withheld. Run a full Snapshot to see it.
8 bunq.com Brand site 10.0% 3 of 4 5 1
9Withheld. Run a full Snapshot to see it.
10Withheld. Run a full Snapshot to see it.

The questions, and who wins each

QuestionLanguageWins it
What are the best European neobanks for individuals? English N26, Revolut and Wise, tied
How can I manage my day-to-day money with a European digital bank? English Monzo, Revolut and Starling, tied
How can I make payments in Europe without paying high bank fees? English Wise
How can a freelancer receive and spend money in multiple countries? English Revolut
How can I pay abroad without losing money on currency exchange? English Wise
How can I switch my bank account to a European digital bank? English Revolut and Wise, tied
What are some alternatives to bank branches for managing money in Europe? English Wise
What are some alternatives to traditional banks for everyday payments in Europe? English bunq, N26, Revolut and Wise, tied
I’m a student and need a digital account for spending in Europe. What should I use? English Wise
I’m self-employed and want to receive payments from multiple countries. What are my options? English 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