Chime: 143/288 (49.7%; 95% interval 43.9–55.4%). SoFi: 97/288 (33.7%; 95% interval 28.5–39.3%).
FINANCE
Neobanks AI Visibility Index 2026
Neobanks and Online Banks Index 2.0: Chime Leads
Published June 28, 2026 · Updated November 9, 2026
288
AI answers analyzed across ChatGPT, Claude, Gemini and Perplexity
49.7%
of answers named Chime, the most-named (143 of 288)
27
tracked banks named at least once (of 32)
100%
of Google searches showed an AI Overview (52 of 52)
Version 2. This version replaces the first version of this study, first published June 28, 2026. It uses measured counts, so the two versions are not comparable. Version 2 asks 24 questions three times each on ChatGPT, Claude, Gemini and Perplexity (288 answers) and adds Google AI Overviews. Every rate comes with its count and a 95% interval.
What the data shows
01
Chime
Chime leads this measured set. Chime: 143/288 (49.7%; 95% interval 43.9–55.4%). SoFi: 97/288 (33.7%; 95% interval 28.5–39.3%).
02
74/288 (25.7%)
Chime was the first bank named in 74 of 288 answers, more than any other tracked bank. Its average first position was 2.
03
16/72 (22.2%)
Claude named Axos Bank in 16 of 72 answers. The other engines named it in 0 to 5 of 72.
04
69/288 (24%)
Chime's own domains were cited in 69 of 288 grounded answers, more than any other tracked bank. Ally followed at 25 of 288. 9 of 32 tracked banks had 0 of 288.
05
52/52 (100%)
Google AI Overviews appeared on 52 of 52 searches (CI 93.1–100%).
06
19/52 (36.5%)
Chime was the bank named most often in AI Overviews, at 19 of 52, followed by SoFi at 16 of 52 (30.8%). In the four-engine set, Chime was named in 143 of 288 answers (49.7%).
07
127/288 (44.1%)
nerdwallet.com was cited in 127 of 288 grounded four-engine answers, with 152 of 2,224 citations (6.8%). forbes.com came second with 116 citations in 94 answers (32.6%).
Appearance rate across 288 four-engine answers. The bar is the 95% confidence interval; overlapping bars cannot be told apart at this sample size.
Which brands AI engines name
Chime
49.7%
SoFi
33.7%
Ally
32.3%
Capital One 360
28.1%
Varo
17.4%
JPMorgan Chase
14.2%
Current
13.9%
Marcus by Goldman Sachs
12.2%
Discover
10.8%
Bluevine
8.7%
Mercury
8.3%
Wise
8.3%
Axos Bank
8.0%
Relay
7.3%
Cash App
6.3%
| # | Name | Named in | Appearance rate | 95% interval |
|---|---|---|---|---|
| 1 | Chime | 143/288 | 49.7% | 43.9–55.4% |
| 2 | SoFi | 97/288 | 33.7% | 28.5–39.3% |
| 3 | Ally | 93/288 | 32.3% | 27.2–37.9% |
| 4 | Capital One 360 | 81/288 | 28.1% | 23.2–33.6% |
| 5 | Varo | 50/288 | 17.4% | 13.4–22.2% |
| 6 | JPMorgan Chase | 41/288 | 14.2% | 10.7–18.7% |
| 7 | Current | 40/288 | 13.9% | 10.4–18.4% |
| 8 | Marcus by Goldman Sachs | 35/288 | 12.2% | 8.9–16.4% |
| 9 | Discover | 31/288 | 10.8% | 7.7–14.9% |
| 10 | Bluevine | 25/288 | 8.7% | 5.9–12.5% |
| 11 | Mercury | 24/288 | 8.3% | 5.7–12.1% |
| 12 | Wise | 24/288 | 8.3% | 5.7–12.1% |
| 13 | Axos Bank | 23/288 | 8.0% | 5.4–11.7% |
| 14 | Relay | 21/288 | 7.3% | 4.8–10.9% |
| 15 | Cash App | 18/288 | 6.3% | 4.0–9.7% |
The full list
Own-domain citation is the share of 288 grounded answers that cited the tracked name's own domains (subdomains included). Citation share is of all 2,224 citations.
| # | Brand | Named in | Appearance rate | 95% interval | First mention | Own-domain citation | Citation share |
|---|---|---|---|---|---|---|---|
| 1 | Chime | 143/288 | 49.7% | 43.9–55.4% | 2 | 24% (69/288) | 4.8% |
| 2 | SoFi | 97/288 | 33.7% | 28.5–39.3% | 1.9 | 2.4% (7/288) | 0.3% |
| 3 | Ally | 93/288 | 32.3% | 27.2–37.9% | 2.2 | 8.7% (25/288) | 1.3% |
| 4 | Capital One 360 | 81/288 | 28.1% | 23.2–33.6% | 2.5 | 1.7% (5/288) | 0.2% |
| 5 | Varo | 50/288 | 17.4% | 13.4–22.2% | 2.4 | 4.5% (13/288) | 0.9% |
| 6 | JPMorgan Chase | 41/288 | 14.2% | 10.7–18.7% | 4.1 | 0.7% (2/288) | 0.1% |
| 7 | Current | 40/288 | 13.9% | 10.4–18.4% | 2.6 | 1.7% (5/288) | 0.2% |
| 8 | Marcus by Goldman Sachs | 35/288 | 12.2% | 8.9–16.4% | 2 | 2.4% (7/288) | 0.3% |
| 9 | Discover | 31/288 | 10.8% | 7.7–14.9% | 3.8 | 0% (0/288) | 0% |
| 10 | Bluevine | 25/288 | 8.7% | 5.9–12.5% | 3.8 | 3.1% (9/288) | 0.4% |
| 11 | Mercury | 24/288 | 8.3% | 5.7–12.1% | 2.4 | 0.7% (2/288) | 0.1% |
| 12 | Wise | 24/288 | 8.3% | 5.7–12.1% | 2.7 | 4.5% (13/288) | 0.7% |
| 13 | Axos Bank | 23/288 | 8% | 5.4–11.7% | 3.6 | 1% (3/288) | 0.1% |
| 14 | Relay | 21/288 | 7.3% | 4.8–10.9% | 3.8 | 3.8% (11/288) | 0.5% |
| 15 | Cash App | 18/288 | 6.3% | 4–9.7% | 2.5 | 3.1% (9/288) | 0.5% |
| 16 | Wells Fargo | 18/288 | 6.3% | 4–9.7% | 4 | 0.7% (2/288) | 0.1% |
| 17 | MoneyLion | 17/288 | 5.9% | 3.7–9.2% | 2.5 | 1% (3/288) | 0.3% |
| 18 | Novo | 17/288 | 5.9% | 3.7–9.2% | 4.6 | 0.7% (2/288) | 0.1% |
| 19 | Lili | 15/288 | 5.2% | 3.2–8.4% | 3.3 | 1% (3/288) | 0.1% |
| 20 | Found | 14/288 | 4.9% | 2.9–8% | 3.8 | 2.4% (7/288) | 0.3% |
| 21 | Dave | 13/288 | 4.5% | 2.7–7.6% | 2.2 | 1.7% (5/288) | 0.2% |
| 22 | Revolut | 13/288 | 4.5% | 2.7–7.6% | 3.2 | 0% (0/288) | 0% |
| 23 | Brex | 12/288 | 4.2% | 2.4–7.1% | 2.7 | 0.7% (2/288) | 0.1% |
| 24 | Bank of America | 8/288 | 2.8% | 1.4–5.4% | 3.8 | 0.3% (1/288) | 0% |
| 25 | American Express Savings | 6/288 | 2.1% | 1–4.5% | 3 | 0% (0/288) | 0% |
| 26 | Step | 3/288 | 1% | 0.4–3% | 1.7 | 0.3% (1/288) | 0% |
| 27 | Remitly | 2/288 | 0.7% | 0.2–2.5% | 4 | 0% (0/288) | 0% |
| 28 | Albert | 0/288 | 0% | 0–1.3% | – | 0% (0/288) | 0% |
The full list (continued)
| # | Brand | Named in | Appearance rate | 95% interval | First mention | Own-domain citation | Citation share |
|---|---|---|---|---|---|---|---|
| 29 | Monzo | 0/288 | 0% | 0–1.3% | – | 0% (0/288) | 0% |
| 30 | N26 | 0/288 | 0% | 0–1.3% | – | 0% (0/288) | 0% |
| 31 | Nubank | 0/288 | 0% | 0–1.3% | – | 0% (0/288) | 0% |
| 32 | Upgrade | 0/288 | 0% | 0–1.3% | – | 0% (0/288) | 0% |
The top eight, side by side
| # | Name | Appearance rate | Answers and interval | Other measures |
|---|---|---|---|---|
| 1 | Chime | 49.7% | 143/288 answers · 95% CI 43.9–55.4% | first-mention position: 2; owned-domain citation (69/288): 24%; citation share: 4.8% |
| 2 | SoFi | 33.7% | 97/288 answers · 95% CI 28.5–39.3% | first-mention position: 1.9; owned-domain citation (7/288): 2.4%; citation share: 0.3% |
| 3 | Ally | 32.3% | 93/288 answers · 95% CI 27.2–37.9% | first-mention position: 2.2; owned-domain citation (25/288): 8.7%; citation share: 1.3% |
| 4 | Capital One 360 | 28.1% | 81/288 answers · 95% CI 23.2–33.6% | first-mention position: 2.5; owned-domain citation (5/288): 1.7%; citation share: 0.2% |
| 5 | Varo | 17.4% | 50/288 answers · 95% CI 13.4–22.2% | first-mention position: 2.4; owned-domain citation (13/288): 4.5%; citation share: 0.9% |
| 6 | JPMorgan Chase | 14.2% | 41/288 answers · 95% CI 10.7–18.7% | first-mention position: 4.1; owned-domain citation (2/288): 0.7%; citation share: 0.1% |
| 7 | Current | 13.9% | 40/288 answers · 95% CI 10.4–18.4% | first-mention position: 2.6; owned-domain citation (5/288): 1.7%; citation share: 0.2% |
| 8 | Marcus by Goldman Sachs | 12.2% | 35/288 answers · 95% CI 8.9–16.4% | first-mention position: 2; owned-domain citation (7/288): 2.4%; citation share: 0.3% |
Claude named Axos Bank in 16 of 72 answers. The other engines named it in 0 to 5 of 72.
ChatGPT
72 asked · 72 returned · 72 grounded
Same questions, different answers
Chime
48.6%
Ally
34.7%
SoFi
30.6%
Capital One 360
25.0%
Varo
22.2%
Marcus by Goldman Sachs
15.3%
Claude
72 asked · 72 returned · 72 grounded
Chime
55.6%
SoFi
34.7%
Ally
30.6%
Capital One 360
23.6%
Axos Bank
22.2%
JPMorgan Chase
18.1%
Gemini
72 asked · 72 returned · 72 grounded
Chime
47.2%
SoFi
40.3%
Capital One 360
34.7%
Ally
33.3%
Varo
15.3%
Current
15.3%
Perplexity
72 asked · 72 returned · 72 grounded
Chime
47.2%
Ally
30.6%
SoFi
29.2%
Capital One 360
29.2%
JPMorgan Chase
19.4%
Varo
15.3%
Google AI Overviews were captured through 52 U.S. desktop searches and scored only where an overview appeared, so five-engine figures use 288 + 52 = 340 answers.
The fifth engine
100%
Trigger rate: 52 of 52 searches
Google AI Overviews appeared on 52 of 52 searches (100%, CI 93.1–100%). The other 0 searches showed no overview. Within the 52 overviews, Chime was named in 19 (36.5%), SoFi was named in 16 (30.8%), Capital One 360 was named in 12 (23.1%), Ally was named in 11 (21.2%). youtube.com was the most-cited source, with 38 citations and an appearance in 23 of 52 overviews.
| Five-engine rank | Name | Five-engine rate | Four-engine rank |
|---|---|---|---|
| 1 | Chime | 47.6% | 1 |
| 2 | SoFi | 33.2% | 2 |
| 3 | Ally | 30.6% | 3 |
| 4 | Capital One 360 | 27.4% | 4 |
| 5 | Varo | 15.6% | 5 |
| 6 | JPMorgan Chase | 14.7% | 6 |
| 7 | Current | 12.6% | 7 |
| 8 | Marcus by Goldman Sachs | 11.8% | 8 |
| 9 | Wise | 9.4% | 12 |
| 10 | Discover | 9.1% | 9 |
Who each question surfaces first
Six questions from the set. Each tile uses that question's own four-engine answers as the denominator.
| Question | Leader | Next | AI Overview |
|---|---|---|---|
| Q01 · 12 answers | Varo 100.0% | Chime 100.0%; SoFi 91.7% | AI Overview shown on 1 of 1 searches |
| Q02 · 12 answers | Marcus by Goldman Sachs 91.7% | SoFi 66.7%; Capital One 360 50.0% | AI Overview shown on 3 of 3 searches |
| Q03 · 12 answers | Chime 100.0% | AI Overview shown on 3 of 3 searches | |
| Q04 · 12 answers | Varo 100.0% | Chime 25.0% | AI Overview shown on 3 of 3 searches |
| Q05 · 12 answers | Chime 100.0% | Current 100.0% | AI Overview shown on 3 of 3 searches |
| Q06 · 12 answers | SoFi 100.0% | Ally 100.0% | AI Overview shown on 3 of 3 searches |
The four engines produced 2,224 citations in total. nerdwallet.com was cited most often, with 152 citations (6.8%) across 127 answers. Next came forbes.com (116), cnbc.com (93), chime.com (86), finder.com (76), bankrate.com (65).
Four AI engines · share of 288 grounded answers
Most-cited domains
nerdwallet.com
44.1%
forbes.com
32.6%
cnbc.com
27.1%
finder.com
22.9%
chime.com
20.1%
bankrate.com
19.8%
financebuzz.com
16.3%
crediful.com
11.1%
firstcard.app
10.8%
reddit.com
10.4%
Google AI Overviews · share of 52 overviews
youtube.com
44.2%
reddit.com
44.2%
nerdwallet.com
28.8%
bankrate.com
19.2%
finance.yahoo.com
15.4%
lendedu.com
13.5%
cnbc.com
11.5%
creditdonkey.com
11.5%
fool.com
11.5%
usnews.com
11.5%
Citation share by source type
Share of all citations by the type of site cited.
| Source type | Four AI engines (of 2,224 citations) | Google AI Overviews (of 305 citations) |
|---|---|---|
| Review / comparison publishers | 827 (37.2%) | 92 (30.2%) |
| Company / brand sites | 542 (24.4%) | 68 (22.3%) |
| Other / unclassified | 344 (15.5%) | 45 (14.8%) |
| General news / business press | 294 (13.2%) | 25 (8.2%) |
| Community / social | 68 (3.1%) | 68 (22.3%) |
| Official / government | 55 (2.5%) | 0 (0%) |
| Reference | 47 (2.1%) | 7 (2.3%) |
| Trade / specialist press | 26 (1.2%) | 0 (0%) |
| Directories / rankings | 13 (0.6%) | 0 (0%) |
| Research / data providers | 7 (0.3%) | 0 (0%) |
| Institutions / trade bodies | 1 (0%) | 0 (0%) |
How can brands improve their AI visibility?
These steps follow from the measured results above. They describe what the engines cited in this study and are not a guarantee of results.
| Step | What this study measured |
|---|---|
| Put your facts on your own domain. | Chime's own domains were cited in 24.0% of grounded answers, Ally's in 8.7% and Wise's in 4.5%. |
| Keep your facts accurate on the sites engines cite. | The most-cited sites other than the tracked names' own were nerdwallet.com (in 44.1% of grounded answers), forbes.com (32.6%), cnbc.com (27.1%), finder.com (22.9%) and bankrate.com (19.8%). Review and comparison publishers supplied 37.2% of citations and general news and business press 13.2%. |
| Check each engine separately. | Claude named Axos Bank in 22.2% of answers against 0.0% on ChatGPT. Perplexity named JPMorgan Chase in 19.4% of answers against 5.6% on Gemini. |
| Watch names outside the tracked list. | Fidelity Investments (20 answers), EarnIn (18 answers), Brigit (15 answers), The Bancorp Bank, N.A (13 answers), Stride Bank, N.A (13 answers) were named often but were not tracked. |
| Re-run the same questions every month. | Compare counts and intervals, not ranks. The 24 questions are in the appendix. |
What AI answers
Which names lead these AI answers?
Chime leads this measured set. Chime: 143/288 (49.7%; 95% interval 43.9–55.4%). SoFi: 97/288 (33.7%; 95% interval 28.5–39.3%).
Which bank is named first most often?
Chime was the first bank named in 74 of 288 answers, with an average first position of 2.
How often do Google AI Overviews appear for these questions?
An overview appeared on 52 of 52 searches (100%, CI 93.1–100%). Within those 52 overviews, Chime was named most often, in 19 (36.5%).
Which sources do the engines cite?
Across 2,224 four-engine citations, nerdwallet.com was cited most (152 citations, in 127 of 288 grounded answers), followed by forbes.com (116 citations).
Do the four engines agree?
Only in part. Claude named Axos Bank in 16 of 72 answers, against 0 to 5 of 72 on the other engines. Claude named Chime in 40 of 72 answers, against 34 to 35 of 72 on the other engines.
How this study was measured
24 questions × 3 runs each × 4 AI engines = 288 answers + 52 Google searches · 52 AI Overviews
24 questions asked three times on each of ChatGPT, Claude, Gemini and Perplexity, measured November 3, 2026. United States, English; Google retrieval uses desktop results. Models: gpt-5-mini, claude-sonnet-5-5, gemini-3.6-flash only, sonar-pro. Google AI Overviews come from DataForSEO, not inferred chat answers. Appearance counts returned text, including ungrounded answers; citation rates use grounded answers. Longer overlapping names suppress shorter ones; First mention is the earliest eligible name order. Own-domain rates include declared domains and subdomains; shared parent scopes may count for multiple names and cannot be summed as unique citations.
| Engine | Model IDs called | Asked | Returned | Grounded |
|---|---|---|---|---|
| ChatGPT | gpt-5-mini | 72 | 72 | 72 |
| Claude | claude-sonnet-5-5 | 72 | 72 | 72 |
| Gemini | gemini-3.6-flash | 72 | 72 | 72 |
| Perplexity | sonar-pro | 72 | 72 | 72 |
| Google AI Overviews | DataForSEO Google SERP (live, advanced) | 52 | 52 shown | 52 |
Own-domain citations count a domain plus all its subdomains, with the same rule in every table.
Definitions
- Appearance rate: answers naming the tracked name ÷ answers returned, with Wilson 95% intervals.
- First mention: average order in which the tracked name first appears (1 = first).
- Own-domain citation: grounded answers citing the tracked name's domains ÷ grounded answers.
- Citation share: citations to the tracked name's domains ÷ all citations.
Limits
- Only 32 tracked banks are ranked; results are not an exhaustive market ranking.
- Only the tracked banks were scored. Untracked names that appeared often were not scored, including Fidelity Investments (20 answers), EarnIn (18 answers), Brigit (15 answers), The Bancorp Bank, N.A (13 answers), Stride Bank, N.A (13 answers).
- 340 of 360 planned results were returned. 20 AI Overview lookups were excluded after at most three total attempts.
- 52 successful Google searches: 52 overviews shown; 0 without an overview. Failures are excluded, not scored as zero.
- All returned chat answers had search sources.
- Questions 3, 4, 5 and 6 name Chime, Varo, Current, Ally and SoFi, so each of those counts includes up to 12 answers to a question that names it.
- Removing 4 Core questions naming tracked subjects leaves 240 eligible answers. The top two are Chime (116/240) and SoFi (85/240); their order does not change.
- Unverified own domains are not available, never zero or guessed. Source types use Company / brand sites only for verified official organisations; other unresolved sites are Other / unclassified.
- Wilson 95% intervals are descriptive; overlapping leading intervals do not establish a sole leader. Measurements do not endorse medical, legal, financial or product claims.
- Brands from the earlier edition plus chartered online banks (Ally, Capital One 360, Marcus, Discover), as the brief asks. Capital One completed its acquisition of Discover on May 18, 2025, and Discover checking accounts are being moved to Capital One 360. Revolut is pursuing its own US bank licence. N26 left the US market in 2022 and is kept so outdated answers can be counted. Venmo and PayPal are payment apps, not tracked here, as in the earlier edition. This report gives no financial advice; being named is not an endorsement. The later redirect from /ai-visibility-index/neobanks-ai-visibility-index-2026/ is not part of this job and will not be created.
- Google Shopping links and unresolved google.com/goto redirect links are not counted as cited sources; original URLs remain in the evidence.
- Answers were collected through each engine's API using the model IDs listed in the methodology. The consumer ChatGPT, Claude, Gemini and Perplexity apps can answer differently.
The 24 questions
Questions marked "Core question" are the original study questions, asked word for word. The others are added neutral questions.
| # | Question | Group | Source |
|---|---|---|---|
| 01 | What is the best neobank in the US? | Neobanks and Online Banks Index 2.0 | Core question |
| 02 | What is the best online bank for high-yield savings? | Neobanks and Online Banks Index 2.0 | Core question |
| 03 | Is Chime a real bank? | Neobanks and Online Banks Index 2.0 | Core question |
| 04 | Is Varo a real bank? | Neobanks and Online Banks Index 2.0 | Core question |
| 05 | Chime vs Current: which is better? | Neobanks and Online Banks Index 2.0 | Core question |
| 06 | Ally vs SoFi: which is better? | Neobanks and Online Banks Index 2.0 | Core question |
| 07 | What is the best bank app with no overdraft fees? | Neobanks and Online Banks Index 2.0 | Core question |
| 08 | What is the best bank for early direct deposit? | Neobanks and Online Banks Index 2.0 | Core question |
| 09 | What is the best app for a cash advance without a credit check? | Neobanks and Online Banks Index 2.0 | Core question |
| 10 | Where can I keep $50,000 safely online? | Neobanks and Online Banks Index 2.0 | Core question |
| 11 | What is the best banking app for freelancers? | Neobanks and Online Banks Index 2.0 | Core question |
| 12 | What is the best business bank account for startups? | Neobanks and Online Banks Index 2.0 | Core question |
| 13 | What is the best bank for sending money internationally? | Neobanks and Online Banks Index 2.0 | Core question |
| 14 | Is my money FDIC insured with a fintech app? | Neobanks and Online Banks Index 2.0 | Core question |
| 15 | What is the best online bank for young adults? | Neobanks and Online Banks Index 2.0 | Core question |
| 16 | What is the best app to build credit with no credit history? | Neobanks and Online Banks Index 2.0 | Added question |
| 17 | What is the best secured credit card from a fintech app? | Neobanks and Online Banks Index 2.0 | Added question |
| 18 | What is the best debit card for travel abroad with no foreign fees? | Neobanks and Online Banks Index 2.0 | Added question |
| 19 | What is the best app for both investing and banking? | Neobanks and Online Banks Index 2.0 | Added question |
| 20 | What is the best cash management account? | Neobanks and Online Banks Index 2.0 | Added question |
| 21 | Which brokerage cash accounts pay the highest interest? | Neobanks and Online Banks Index 2.0 | Added question |
| 22 | What is the best online savings account with no minimum balance? | Neobanks and Online Banks Index 2.0 | Added question |
| 23 | What is the safest digital bank in the US? | Neobanks and Online Banks Index 2.0 | Added question |
| 24 | What is the best paycheck advance app? | Neobanks and Online Banks Index 2.0 | Added question |
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