Leader
75Heralded Score, range 47–82
The most visible European neobanks in United Kingdom, October 2026
Brands
| Rank | Brand | Rank change | Heralded Score All | AI | Search | Score trend | Mentioned | Recommended | By engine | Mentioned by | Change |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 | | New entry | 75 , range 47–82 | 78#2 | 70#1 | 75
| 59% | 34% | | First reading | |
| 2 | | New entry | 66 , range 46–81 | 78#1 | 44#5 | 66
| 54% | 36% | | First reading | |
| 3 | | New entry | 55 , range 27–70 | 52#3 | 61#3 | 55
| 37% | 20% | | First reading | |
| 4 | | New entry | 53 , range 27–67 | 48#4 | 62#2 | 53
| 32% | 19% | | First reading | |
| 5 | | New entry | 43 , range 20–58 | 39#6 | 51#4 | 43
| 25% | 11% | | First reading | |
| 6 | | New entry | 42 , range 24–64 | 46#5 | 37#6 | 42
| 31% | 14% | | First reading | |
| 7 | | New entry | 9 , range 2–46 | 7#7 | 13#8 | 9
| 6% | 3% | None | First reading | |
| 8 | | New entry | 6 , range 1–45 | 5#8 | 8#10 | 6
| 6% | 0% | | First reading | |
| – | | Unranked | Too few answers | Not measured | 0= #34 | –
| 0% | 0% | None | First reading | |
| – | | Unranked | Too few answers | Not measured | 1= #25 | –
| 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. AI and Search give each brand’s score and rank on that side alone. By engine has one dot per engine (ChatGPT, Google AI Overviews, Gemini and Google AI Mode), darker the more often it names the brand.
Most cited sources
| Rank | Source | Type | Cited in | Engines | Pages cited | Brands its pages mention |
|---|---|---|---|---|---|---|
| 1 | | Brand site | 46.7% | 4 of 4 | 29 | 10 |
| 2 | | Brand site | 25.0% | 4 of 4 | 22 | 1 |
| 3 | | Brand site | 11.7% | 1 of 4 | 8 | 1 |
| 4 | | Brand site | 13.3% | 2 of 4 | 7 | 1 |
| 5 | | Brand site | 8.3% | 2 of 4 | 7 | 1 |
| 6 | | Brand site | 10.0% | 3 of 4 | 5 | 1 |
| 7 | | Brand site | 1.7% | 1 of 4 | 1 | Not read |
| 8 | | Brand site | 1.7% | 1 of 4 | 1 | Not read |
| 9 | | Brand site | 1.7% | 1 of 4 | 1 | Not read |
Questions asked
| Question | Language | Most recommended |
|---|---|---|
| What are the best European neobanks for individuals? | English | |
| How can I manage my day-to-day money with a European digital bank? | English | |
| How can I make payments in Europe without paying high bank fees? | English | |
| How can a freelancer receive and spend money in multiple countries? | English | |
| How can I pay abroad without losing money on currency exchange? | English | |
| How can I switch my bank account to a European digital bank? | English | |
| What are some alternatives to bank branches for managing money in Europe? | English | |
| What are some alternatives to traditional banks for everyday payments in Europe? | English | |
| I’m a student and need a digital account for spending in Europe. What should I use? | English | |
| I’m self-employed and want to receive payments from multiple countries. What are my options? | English | |
Each engine's top three
Related leaderboards
Method
Each leaderboard ranks brands on two sides. AI is how ChatGPT, Gemini, Google AI Overviews and Google AI Mode answer the board's buyer questions. Search is Google's top 10 results for the keywords behind those questions. All combines the two, where Search is measured.
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.