Overview Leaderboard Methodology
Industry Report

Neobanks

Fintech-driven consumer banking brands focused on streamlined mobile experiences, budgeting tools, and fee-minimized accounts often without physical branches.

Brands tracked: 35
Brands analyzed: 35
Last updated: 2026-04-23
Model: OpenAI GPT-5
Prompts: 275
Total responses: 1,400
Top Brand Overall?
Chime
78/100

Highest overall AI Visibility Score in this industry.

LBA Leader?
Monzo
91

Highest score on the LBA metric in this industry.

Authority Leader?
Chime
77

Highest score on the Authority metric in this industry.

TOM Leader?
Chime
86

Highest score on the TOM metric in this industry.

Chime leads the Neobanks category in AI responses

Chime is the most consistently-surfaced brand when users ask AI assistants about Neobanks, but not to the point of monopolising the conversation. SoFi and a handful of others appear regularly, giving users a reasonable set of alternatives to compare. The top of this leaderboard is where most of the AI-driven traffic will go.

Brand Leaderboard All 35 Neobanks brands ranked

Ranked by overall AI Visibility Score (smoothed geometric mean of LBA, Authority, and TOM with an LBA-based floor on Authority and TOM, see methodology). Click any brand for the full report.

# Brand LBA Authority TOM Overall
1
Chime
chime.com
 73
77
86
78
2
SoFi
sofi.com
 73
46
65
60
3
Monzo
monzo.com
 91
44
51
59
4
Revolut
revolut.com
 75
38
68
58
5
Current
current.com
 59
24
56
43
6
Wise
wisesnacks.com
 85
22
37
42
7
N26
n26.com
 82
12
38
35
8
Ally
ally.com
 70
18
22
31
9
Starling Bank
starlingbank.com
 82
8
22
27
10
Capital One
capitalone.com
 78
14
14
26
11
Varo
varomoney.com
 61
7
21
22
12
Nubank
nubank.com.br
 81
8
8
20
13
KakaoBank
kakaobank.com
 78
8
8
19
14
bunq
bunq.com
 69
7
9
18
15
GoHenry
gohenry.com
 73
7
7
18
16
Greenlight
greenlight.com
 71
7
8
18
17
Banco Inter
bancointer.com.br
 70
7
7
17
18
EQ Bank
eqbank.ca
 68
7
7
17
19
Kuda
kuda.com
 69
7
7
17
20
Step
step.com
 54
5
12
17
21
T-Bank
tbank.ru
 71
7
7
17
22
Tangerine
tangerine.ca
 67
7
7
17
23
Dave
dave.com
 65
6
6
16
24
Varo Bank
varo.com
 58
6
8
16
25
Ualá
uala.com.ar
 60
6
6
15
26
Aspiration
aspiration.com
 54
5
5
14
27
Cash App Taxes
cash.app
 57
6
6
14
28
Neon
neon.tech
 56
6
6
14
29
Atom bank
atombank.co.uk
 51
5
5
13
30
Mydoh
mydoh.ca
 53
5
5
13
31
Up
up.com.au
 54
5
5
13
32
86 400
86400.com.au
 47
5
5
12
33
Judo Bank
judo.bank
 48
5
5
12
34
Lunar
lunar.app
 49
5
5
12
35
Yapeal
yapeal.ch
 28
3
3
8

How is this calculated? Methodology

Every brand in this leaderboard is scored against the same set of 275 shared Neobanks prompts. The same prompts, same model, same iterations. So differences in scores reflect actual differences in AI visibility, not differences in measurement.

Overall AI Visibility Score
Smoothed geometric mean of LBA, Authority and TOM. Authority and TOM are floored at LBA × 0.1 before the geometric mean (the same floor used in the per-metric cards above, so brand cards and the composite tell the same story). Formula: composite = ((LBA + 5)(Authority + 5)(TOM + 5))^(1/3) - 5. The floor keeps brands the model clearly recognises but doesn't yet recommend from collapsing to zero, while a single genuinely weak metric still pulls the composite down. Full methodology.
Shared industry prompts
For Authority and TOM, all brands in the industry are scored against the same 275 category prompts (e.g. "best SEO tools for agencies"). This makes brand-to-brand comparisons valid - everyone faces identical inputs. LBA prompts are per-brand because they ask brand-specific questions.
Latent Brand Association (LBA)
5 brand probes + 1 control prompt, each run 5 times in recall mode (no web search). LBA = quality × meta × stability × share × recognition × 100. Read the full LBA methodology →
LLM Authority
50 organic category prompts (discovery, comparison, problem and transactional intents), each run once in recall mode and once in retrieval mode. Score = frequency × log-decayed prominence × intent weight, then 50/50 averaged across the two modes. Read the full Authority methodology →
Top of Mind (TOM)
15 high-volume discovery prompts (sourced from Keywords Everywhere search-volume data), each run 5 times in pure recall mode (no web). Score = frequency × (0.5 + 0.5 × log-prominence), volume-weighted. Read the full TOM methodology →