# Monzo: how AI models rank it, November 2026

Gane Index, November 2026 Edition. Named in 8 judge labels across 1 category by 4 of 14 models. Page: https://www.gane.ai/index/finance/vendors/monzo

## Standing by category

| Category | Share | Rank | Negative rate | Labels |
|---|---|---|---|---|
| [Business banking](https://www.gane.ai/index/finance/treasury/business-banking/index.md) | 2% | 14 | 12% | 8 |

## What the models said for it

- "Ranked #1 for business current accounts in the latest UK banking satisfaction survey" (Mistral Small, Business banking)
- "Bluevine (US) or Starling/Monzo (UK) are among the best choices" (Mistral Small, Business banking)
- "If you have very minimal banking needs, Tide Free or Monzo Lite could work, but watch out for transaction fees" (Kimi K2, Business banking)
- "Free bank transfers, expense tagging, 1.0 % AER on up to £85 k, pre‑paid Mastercard." (MiniMax M2.5, Business banking)

## And against it

- "Tide, Monzo, or Starling have mixed feedback on international fees and phone support" (Grok 4.20, Business banking)

## By model

| Model | First choice | Alternative | Mention | Warning | Labels |
|---|---|---|---|---|---|
| Claude Haiku 4.5 | 0 | 0 | 0 | 0 | 0 |
| GPT-5.4 mini | 0 | 0 | 0 | 0 | 0 |
| Gemini 3.5 Flash | 0 | 0 | 0 | 0 | 0 |
| Perplexity Sonar | 0 | 0 | 0 | 0 | 0 |
| Grok 4.20 | 0 | 0 | 2 | 1 | 3 |
| Mistral Small | 2 | 0 | 0 | 0 | 2 |
| DeepSeek V4 Flash | 0 | 0 | 0 | 0 | 0 |
| Llama 4 Maverick | 0 | 0 | 0 | 0 | 0 |
| Qwen 3.7 Flash | 0 | 0 | 0 | 0 | 0 |
| Kimi K2 | 0 | 2 | 0 | 0 | 2 |
| GLM 4.7 FlashX | 0 | 0 | 0 | 0 | 0 |
| MiniMax M2.5 | 0 | 1 | 0 | 0 | 1 |
| GPT-6 Luna | 0 | 0 | 0 | 0 | 0 |
| Muse Glimmer 30B | 0 | 0 | 0 | 0 | 0 |

## Sources returned with these answers

The sites and pages cited by the answers that named Monzo, from 10 of the 10 answers that named it (only the models that return a source list).

### Domains cited

- forbes.com: 5
- gov.uk: 3
- nerdwallet.com: 3
- reddit.com: 3
- wise.com: 3
- applyright.co: 2
- bunq.com: 2
- business.bankofamerica.com: 2
- business.hsbc.uk: 2
- financial-ombudsman.org.uk: 2

### Pages cited

- https://forbes.com/advisor/banking/best-business-bank-accounts: 4
- https://gov.uk/government/news/latest-banking-satisfaction-survey-results-revealed-by-cma: 3
- https://nerdwallet.com/business/banking/best/banks: 3
- https://applyright.co/en/guides/which-us-business-banks-freeze-accounts: 2
- https://bunq.com/: 2
- https://business.bankofamerica.com/en/deposits/checking-accounts: 2
- https://business.hsbc.uk/en-gb/products/small-business-bank-account: 2
- https://financial-ombudsman.org.uk/businesses/resolving-complaint/our-insight/annual-complaints-data-insight-2023-24: 2

## In its own words

What Monzo's own pages state, read 2026-09-28. Stated by the vendor, not checked by the index.

- Positioning: Open a Free Account (https://monzo.com/)
- For: UK residents (https://monzo.com/)
- Price stated: Upgrade your personal account from £3 a month (https://monzo.com/)
- Starting price: £3 a month (https://monzo.com/)
- Free plan or trial: Open a free Monzo account (https://monzo.com/)
- Integrations claimed: 500 (https://monzo.com/features/ifttt)

## What it publishes

Every page monzo.com exposes, read 2026-09-29: 10015 addresses. By kind, pages and the last 90 days:

- blog: 959 pages, 7 in the last 90 days, latest 2026-09-21
- case study: 2 pages, 0 in the last 90 days, latest 2017-12-12
- webinar or virtual event: 5 pages, 0 in the last 90 days, latest 2018-04-18
- conference or event: 29 pages, 0 in the last 90 days, latest 2017-10-11
- report or ebook: 18 pages, 0 in the last 90 days, latest 2018-05-29
- comparison: 47 pages, 0 in the last 90 days, latest 2019-04-01
- template or tool: 7 pages, 0 in the last 90 days, latest 2018-04-12
- glossary or explainer: 105 pages, 0 in the last 90 days, latest 2023-03-16
- podcast or video: 11 pages, 0 in the last 90 days, latest 2018-06-19
- news or press: 55 pages, 0 in the last 90 days, latest 2017-03-20
- Recent: 2026-09-21 blog: Fca ai live testing insights https://monzo.com/blog/fca-ai-live-testing-insights
- Recent: 2026-09-18 blog: Engineering and data internships at monzo https://monzo.com/blog/engineering-and-data-internships-at-monzo
- Recent: 2026-09-09 blog: Interviewing for credit at monzo https://monzo.com/blog/interviewing-for-credit-at-monzo
- Recent: 2026-08-13 blog: Building agent chip https://monzo.com/blog/building-agent-chip
- Recent: 2026-08-13 blog: Best value beach huts https://monzo.com/blog/best-value-beach-huts
- Recent: 2026-08-11 blog: The teen summer jobs report 2026 https://monzo.com/blog/the-teen-summer-jobs-report-2026

## Record

- Method: https://www.gane.ai/index/finance/methodology
- License: CC BY 4.0. Cite as Gane Index, November 2026 Edition, www.gane.ai/index/finance.