Who does AI recommend for Neobanks in the UK?
47 AI answers to 21 customer questions in ChatGPT, Gemini, Google AI Mode and AI Overviews.
First measurement · 9 Nov 2026 · weekly from 16 Nov
Starling Bank and Monzo are tied at the top.
The ranking
- 1Starling Bank69%
- 2Monzotied65%
- 3Chase UKtied61%
- 4Revoluttied38%
- 5Wisetied33%
- 6HSBC UKtied29%
- 7First Directtied27%
- 8Santander UKtied26%
- 9Lloyds Banktied23%
- 10Barclaystied21%
- 10Nationwidetied21%
- 12NatWesttied15%
- 13Halifaxtied11%
- 14Krootied5%
- 14Zopatied5%
Dot = measured share, bar = 95% range. Effective sample: n = 39.
Every AI has its own favourite
Same questions, four AIs: how often each one names the brands. Highlighted: each AI's favourite.
| Brand | ChatGPT | Gemini | AI Mode | AI Overviews |
|---|---|---|---|---|
| Starling Bank | 67% | 67% | 71% | 68% |
| Monzo | 71% | 57% | 62% | 63% |
| Chase UK | 52% | 48% | 81% | 63% |
| Revolut | 33% | 38% | 43% | 37% |
| Wise | 19% | 57% | 24% | 32% |
| HSBC UK | 29% | 29% | 29% | 32% |
| First Direct | 19% | 24% | 43% | 26% |
| Santander UK | 29% | 24% | 33% | 21% |
| Lloyds Bank | 19% | 29% | 24% | 26% |
| Barclays | 29% | 19% | 24% | 16% |
| Nationwide | 29% | 29% | 10% | 16% |
| NatWest | 24% | 19% | 14% | 5% |
| Halifax | 5% | 19% | 10% | 16% |
| Kroo | 10% | 5% | 5% | 5% |
| Zopa | 10% | – | 10% | 5% |
Each AI gives about a quarter of the answers: differences below roughly 20 points may be chance.
All 21 questions and who AI names
Search a question or pick a brand: where is it named, where is it missing?
21 of 21 questions
What is the best current account in the UK right now?
- Chase UK4/4
- Santander UK4/4
- Barclays3/4
- First Direct3/4
- Nationwide3/4
- Starling Bank3/4
- HSBC UK2/4
- Monzo1/4
- NatWest1/4
- Zopa1/4
Which bank account has no monthly fee and no minimum deposit?
- Chase UK3/3
- Monzo3/3
- Santander UK3/3
- Starling Bank2/3
- Barclays1/3
- Halifax1/3
- HSBC UK1/3
- Kroo1/3
- Lloyds Bank1/3
- NatWest1/3
- Wise1/3
Which bank lets me open an account fastest on my phone?
- Monzo4/4
- Starling Bank4/4
- Chase UK3/4
- Revolut2/4
- Wise1/4
Which current account is best as a second account for budgeting?
- Chase UK4/4
- Monzo4/4
- Starling Bank4/4
- Lloyds Bank1/4
Can I open a UK bank account without a credit check?
- HSBC UK4/4
- Lloyds Bank4/4
- Barclays3/4
- NatWest3/4
- Santander UK3/4
- Starling Bank2/4
- Monzo1/4
- Revolut1/4
Which bank account is best if I have just moved to the UK?
- HSBC UK4/4
- Monzo4/4
- Barclays3/4
- Starling Bank3/4
- Lloyds Bank2/4
- Chase UK1/4
- First Direct1/4
- NatWest1/4
- Revolut1/4
- Wise1/4
Which UK bank has the best customer service rating?
- First Direct3/3
- Monzo3/3
- Nationwide3/3
- Starling Bank3/3
- Chase UK2/3
- Barclays1/3
- Revolut1/3
Which bank pays a cash bonus for switching my current account?
- Barclays4/4
- HSBC UK4/4
- First Direct3/4
- Nationwide3/4
- Santander UK3/4
- Lloyds Bank2/4
- NatWest2/4
Number = answers naming the brand out of all answers to this question. There are few per question: a direction, not a ranking.
The pages AI cites most
- moneysavingexpert.comin 41 of 82 answers
- wise.comin 27 of 82 answers
- which.co.ukin 25 of 82 answers
- monzo.comin 15 of 82 answers
- starlingbank.comin 13 of 82 answers
- finder.comin 11 of 82 answers
- forbes.comin 10 of 82 answers
- reddit.comin 10 of 82 answers
Share of answers with sources that cite the page.
A real answer
Which card should I take on holiday to the US?
Named, in this order:
1. Chase UK 2. Starling Bank 3. Halifax 4. Lloyds Bank 5. Barclays 6. NatWest 7. Santander UK 8. Nationwide
Which bank account has no monthly fee and no minimum deposit?
Named, in this order:
1. Wise 2. Starling Bank 3. Monzo 4. Chase UK 5. NatWest 6. Barclays 7. HSBC UK 8. Halifax
Can I open a UK bank account without a credit check?
Named, in this order:
1. HSBC UK 2. NatWest 3. Barclays 4. Lloyds Bank 5. Santander UK 6. Revolut 7. Starling Bank
Can I open a UK bank account without a credit check?
Named, in this order:
1. Barclays 2. HSBC UK 3. Lloyds Bank 4. Santander UK 5. Monzo 6. Starling Bank
How strong is the leader in other industries?
Share of answers naming each industry's leader.
- CRM softwareHubSpot99%
- Mobile plansThree89%
- Accounting & taxQuickBooks79%
- EnergyOctopus Energy76%
- NeobanksStarling Bank69%
- Online brokersTrading 21261%
- Fashion onlineASOS58%
- E-bikesSpecialized53%
- Car insuranceMoneySuperMarket51%
- Travel bookingBooking.com29%
Is your brand in it, or missing?
Measure what AI says about you: 50 questions of your own, four engines, free for good.
Data wrong or a brand missing? Write to us: hello@kennt.aiHow we measure
Per industry, 50 questions the way customers ask them, without brand names. Each question goes to ChatGPT, Gemini, Google AI Mode and AI Overviews every three days, logged out, from the country measured, in its language.
Visibility = share of answers that name a brand. Answers to the same question are related; the 95% range accounts for that.
"Tied" means two brands' ranges overlap, so the difference may be chance. We only show a change from last week when the ranges don't overlap.
Full methodology