Business Banking,
according to AI
Every week we ask ChatGPT, Claude and Gemini the questions real UK consumers ask about business banking — and record exactly which brands they put forward. Right now, Xero owns the conversation.
0 AI answers this run · 0 brands named · measured, never estimated
Xero is the default answer.
Named in 43% of business banking answers, typically in position 2.8. Starling Bank follows at 40%, QuickBooks at 40%.
Every brand AI names, ranked.
Visibility is the share of answers naming the brand; citation share is its slice of all brand-owned pages cited; read→cited is how often its pages convert a read into a citation.
| # | Brand | Visibility | Avg. position | Citation share | Read→cited |
|---|---|---|---|---|---|
| 1 | Xero | 43% | 2.8 | 6% | 16% |
| 2 | Starling Bank | 40% | 2.7 | 13% | 28% |
| 3 | QuickBooks | 40% | 3.5 | 3% | 25% |
| 4 | Monzo | 30% | 3.3 | 5% | 25% |
| 5 | Tide | 30% | 3.7 | 3% | 31% |
| 6 | Revolut | 27% | 4.4 | 6% | 12% |
| 7 | NatWest | 23% | 5.4 | 2% | 0% |
| 8 | Wise | 22% | 3.1 | 15% | 16% |
| 9 | Mettle | 17% | 4.1 | 0% | — |
| 10 | Lloyds Bank | 17% | 5.2 | 4% | 20% |
| 11 | Barclays | 15% | 3.9 | 1% | 14% |
| 12 | HSBC | 15% | 6.6 | 1% | — |
| 13 | Airwallex | 13% | 3.6 | 10% | 29% |
| 14 | ANNA Money | 10% | 4.5 | 7% | 55% |
| 15 | Sage | 10% | 5.5 | 3% | 50% |
Xero is named most. That is not the same as being wanted.
Being named is visibility. Underneath it, asked to rate each brand directly, the AI assistants judge it three ways — how much it stands out, how much it belongs, and how much it is returned to. They put 14% of the 42 brands rated above indifference. Monzo leads the brands the answers name, at 78% of maximum Desire. On attraction, the most divided driver, Monzo indexes 135 against Cashplus at 76, on a category average of 100.
Each whorl lights one ring per index threshold cleared (84 / 92 / 100 / 108 / 116). Above indifference means Desire above two-thirds of its maximum. See the full business banking desire edition →
Before it answers, it goes looking for Xero.
An assistant does not answer from memory alone. It runs its own web searches first, and whoever it searches for is the shortlist it then chooses from. Across 90 searches in business banking, Xero is named in 17% of the ones that name a brand at all. ChatGPT Web, Copilot do not report their searches, so these shares are measured against the ones that do.
These are the assistants' own searches, read from their answers — not what anyone typed into a search engine.
The referees of business banking.
The independent sources AI models cite when answering business banking questions — the places a brand needs to be seen, reviewed and ranked.
ANNA Money converts reads into citations. Revolut doesn't.
When Claude or ChatGPT opens a brand's own pages while answering, does the page make the cited-sources list? ANNA Money converts 55% of reads; Revolut just 12%. That gap is a content problem, not a visibility problem.
Full data table
| # | Brand | Visibility | Avg. position | Citation share | Read→cited |
|---|---|---|---|---|---|
| 1 | Xero | 43% | 2.8 | 6% | 16% |
| 2 | Starling Bank | 40% | 2.7 | 13% | 28% |
| 3 | QuickBooks | 40% | 3.5 | 3% | 25% |
| 4 | Monzo | 30% | 3.3 | 5% | 25% |
| 5 | Tide | 30% | 3.7 | 3% | 31% |
| 6 | Revolut | 27% | 4.4 | 6% | 12% |
| 7 | NatWest | 23% | 5.4 | 2% | 0% |
| 8 | Wise | 22% | 3.1 | 15% | 16% |
| 9 | Mettle | 17% | 4.1 | 0% | — |
| 10 | Lloyds Bank | 17% | 5.2 | 4% | 20% |
| 11 | Barclays | 15% | 3.9 | 1% | 14% |
| 12 | HSBC | 15% | 6.6 | 1% | — |
| 13 | Airwallex | 13% | 3.6 | 10% | 29% |
| 14 | ANNA Money | 10% | 4.5 | 7% | 55% |
| 15 | Sage | 10% | 5.5 | 3% | 50% |
The models do not agree on who leads.
Ask about business banking and the brand you are shown depends on the assistant: Claude → Starling Bank, Gemini → Xero, ChatGPT → Xero. Their top-five lists share just 43% of names.
Brands whose visibility swings most between models — the bar per model, widest gap on the right.
The data behind this chart
| Brand | Claude | Gemini | ChatGPT | Spread |
|---|---|---|---|---|
| Xero | 25% | 70% | 35% | 45pp |
| QuickBooks | 25% | 65% | 30% | 40pp |
| Monzo | 15% | 50% | 25% | 35pp |
| Starling Bank | 35% | 55% | 30% | 25pp |
| Lloyds Bank | 5% | 30% | 15% | 25pp |
| ANNA Money | 5% | 25% | 0% | 25pp |
| NatWest | 20% | 35% | 15% | 20pp |
| Wise | 15% | 35% | 15% | 20pp |
| Barclays | 5% | 25% | 15% | 20pp |
| Tide | 35% | 35% | 20% | 15pp |
Comparisons carry business banking.
Every page AI opened while answering, classified by what kind of page it is. Comparisons supply the most citations; Comparisons convert best — 100% of the ones models opened were actually cited.
The data behind this chart
| Page type | Cited | Read but not cited | Conversion |
|---|---|---|---|
| Comparisons | 94 | 0 | 100% |
| How-to guides | 50 | 0 | 100% |
| Editorial | 44 | 0 | 100% |
| Product pages | 41 | 0 | 100% |
| Listicles | 18 | 0 | 100% |
| Documentation | 14 | 0 | 100% |
| Other | 14 | 0 | 100% |
Answer up front is what separates cited from ignored.
Of the business banking pages models actually opened, how much more often each feature's pages ended up in the cited sources. Answer up front is worth 0 percentage points. Measured within the read population, so selection can't flatter it.
The data behind this chart
| Feature | Pages with | Cited % | Pages without | Cited % | Difference |
|---|---|---|---|---|---|
| Answer up front | 148 | 100% | 149 | 100% | +0pp |
| Updated this year | 125 | 100% | 172 | 100% | +0pp |
| Comparison table | 124 | 100% | 173 | 100% | +0pp |
| Named author | 187 | 100% | 110 | 100% | +0pp |
| Structured data | 242 | 100% | 55 | 100% | +0pp |
| Hard statistics | 109 | 100% | 188 | 100% | +0pp |
WorldFirst builds pages AI can quote.
Readiness scores each brand's own pages on the structure models reward — a direct answer up front, tables, hard numbers, named authors, structured data, recency, specifications. WorldFirst is the widest gap: well-built pages that still aren't converting into citations.
| Brand | Readiness | Pages cited | Pages profiled |
|---|---|---|---|
| WorldFirst | 62 | 7% | 15 |
| OFX | 54 | 33% | 9 |
| Airwallex | 50 | 46% | 13 |
| Fathom | 50 | 0% | 3 |
| ANNA Money | 43 | 42% | 12 |
| Wise | 43 | 25% | 57 |
| Santander | 38 | 0% | 7 |
| Tide | 37 | 4% | 26 |
| Starling Bank | 37 | 7% | 123 |
| Float | 35 | 0% | 27 |
Readiness is the share of eight measurable structural signals present on a brand's profiled pages. It is a build-quality measure, not a ranking of the brand.
The questions business banking pages have to settle.
Read straight off the pages AI cited: the consumer questions cited content answers most often. Content that fails to settle these is content models have no reason to quote.
Nineteen more categories.
Method: 20 unbranded consumer prompts per category, spread across the buying journey, run weekly against ChatGPT, Claude and Gemini. Read→cited uses Claude and ChatGPT only (Gemini does not separate the two). Correlational observations of model behaviour at the time of the run. Data from the run completed Sat, 17 Oct 2026 13:08:42 GMT.