Overview Leaderboard Methodology
Industry Report

Online-Only Banks

Banks that operate primarily or exclusively through digital platforms and mobile apps, offering deposit accounts, payments, and low-cost products.

Brands tracked: 37
Brands analyzed: 37
Last updated: 2026-04-23
Model: OpenAI GPT-5
Prompts: 287
Total responses: 1,470
Top Brand Overall?
Ally
90/100

Highest overall AI Visibility Score in this industry.

LBA Leader?
Charles Schwab
89

Highest score on the LBA metric in this industry.

Authority Leader?
Ally
96

Highest score on the Authority metric in this industry.

TOM Leader?
Ally
100

Highest score on the TOM metric in this industry.

Ally is the default answer in AI responses for Online-Only Banks

When users ask ChatGPT, Claude, or Gemini about Online-Only Banks, Ally is the brand that surfaces first - unprompted, consistently, and usually at the top of any list the model generates. Capital One is a close second, but the gap between them is meaningful. If you're competing in this space and you're not in the top handful, you're effectively invisible to AI-driven discovery.

Brand Leaderboard All 37 Online-Only Banks 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
Ally
ally.com
 76
96
100
90
2
Capital One
capitalone.com
 77
61
87
74
3
SoFi
sofi.com
 70
67
84
73
4
Discover
discover.com
 73
44
68
60
5
Marcus
marcus.com
 69
14
48
37
6
Chime
chime.com
 70
19
33
36
7
Axos Bank
axosbank.com
 69
8
31
28
8
Charles Schwab
schwab.com
 89
9
21
28
9
Varo
varomoney.com
 58
12
19
24
10
Monzo
monzo.com
 87
9
10
22
11
Revolut
revolut.com
 80
8
11
21
12
BoursoBank
boursobank.com
 82
8
8
20
13
Starling Bank
starlingbank.com
 83
8
8
20
14
Wise
wisesnacks.com
 75
7
11
20
15
N26
n26.com
 78
8
8
19
16
Nubank
nubank.com.br
 80
8
8
19
17
bunq
bunq.com
 72
7
7
18
18
KakaoBank
kakaobank.com
 74
7
7
18
19
Jenius
jenius.com
 68
7
7
17
20
Synchrony Bank
synchrony.com
 47
5
15
17
21
T-Bank
tbank.ru
 70
7
7
17
22
W
WeBank
webank.com.cn
 67
7
7
17
23
Bank Jago
bankjago.com
 63
6
6
16
24
Openbank
openbank.es
 64
6
6
16
25
Tangerine
tangerine.ca
 67
7
7
16
26
Up
up.com.au
 66
7
7
16
27
Zopa Bank
zopa.com
 64
6
6
16
28
A
au Jibun Bank
jibunbank.co.jp
 62
6
6
15
29
Current
current.com
 61
6
6
15
30
ubank
ubank.com.au
 59
6
6
15
31
ZA Bank
za.group
 61
6
6
15
32
Atom bank
atombank.co.uk
 56
6
6
14
33
TymeBank
tymebank.co.za
 58
6
6
14
34
Vivid Money
vivid.money
 58
6
6
14
35
GO2bank
go2bank.com
 52
5
5
13
36
liv.
liv.me
 47
5
5
12
37
Lunar
lunar.app
 43
4
4
11

How is this calculated? Methodology

Every brand in this leaderboard is scored against the same set of 287 shared Online-Only Banks 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 287 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 →