AI Recommendation Report · Monzo · 14 July 2026
AI names Monzo, but it is not the business AI recommends first.
Executive summary
258 answers · 60 questions
Across the 258 AI recommendations we analysed, your business appeared in 174. Your largest competitor, Revolut, appeared in 54.
To decide who to recommend, AI read 415 sources. 110 of those citations were Monzo.
Of the 60 buying questions we put to 5 AI assistants, AI recommends you for 40, names you without recommending you for 8 and hands 12 straight to a competitor.
Your AI Trust Score is 57 out of 100. AI is starting to trust you.
The quickest opportunity is “which digital bank is best for international transfers”, where Wise currently takes 4 of the 4 answers. A use-case buying guide is the asset that competes for it.
Complete the first 5 actions and you are working on up to 61 of the 258 AI responses measured in this report.
AI named Revolut 54 times and Monzo 174 times across the 258 answers we measured.
Counted across 258 AI answers to 60 of your buyers’ real questions.
The problem
AI is telling your customers something wrong about Monzo.
We put 60 of your buyers’ real questions to five AI assistants and read 258 answers. AI named you 174 times. It named you 174 times.
Who AI actually recommends
You are the business AI names most.
Counted across 258 answers to 60 questions your buyers actually ask. Counts, not percentages: a share-of-voice chart would round zero up into something that looks survivable.
Every assistant was asked all 60 questions except Google AI (20), which was asked only your highest-intent buying questions — the ones where a Google AI Overview actually appears. Its answers are counted against what it was asked, never against 60.
The evidence
What the AI engines told your customer.
“Do you mean banks in the United States, and which fees matter most to you (monthly maintenance, overdraft, ATM out‑of‑network, foreign transaction, wire/ACH, cash deposit)? If you tell me that I can give a focused recommendation and a short side‑by‑side. Quick summary (U.S. mobile/online banks that are consistently lowest-fee — with what they’re best at): - SoFi (Checking & Savings) — no monthly maintenance fee, no minimums, and no overdraft fees for customers who meet SoFi’s direct‑deposit requirement; large Allpoint ATM network. ([sofi.com](https://www.sofi.com/banking/fees/?msockid=03aeab”
We asked: “which mobile bank has the lowest fees”
“To get the best returns in the UK, you'll want to look beyond standard high-street accounts. The top savings options depend on your saving style: Regular Savers (up to 8% AER) for monthly drip-feeding, Easy Access (around 5% AER) for flexibility, and Fixed Bonds for guaranteed, longer-term rates. Explore and compare the current top options on the market: 1. Best Regular Savers (Best for monthly deposits) These accounts offer the highest interest rates but limit how much you can deposit each month. Lloyds Bank / Bank of Scotland: 8.00% AER (Fixed). Requires a linked current account. Max £250/mo”
We asked: “top rated uk banks for saving money”
“# Top UK Banks for Saving Here are some of the best-rated options depending on your priorities: ## Best Overall Interest Rates - **Chase** - Currently offers competitive savings rates and no fees - **Chip** - Auto-saves small amounts and offers good rates - **Tandem** - Known for competitive savings interest ## Established High Street Banks - **Santander** - Reliable rates, widely accessible - **Barclays** - Strong savings products, good customer service - **Lloyds** - Decent rates, extensive branch network ## Specialist Savings Banks - **Shawbrook** - Good fixed-rate bonds - **Coventry Bu”
We asked: “top rated uk banks for saving money”
“Determining the "best" bank for cashback depends on whether you are looking for a **current account** (for everyday banking and bills) or a **credit card** (for spending). As of July 2026, here are the types of accounts often cited as top performers in the UK market: ### 1. Cashback Current Accounts These accounts reward you for everyday activities like paying direct debits or using your debit card. * **Chase:** Frequently highlighted for its 2% cashback on debit card spending (groceries, restaurants, travel) and no monthly account fee. It often requires meeting specific conditions, such ”
We asked: “which bank gives the best cashback”
“**Starling Bank** is widely considered the best digital bank in the UK overall. Multiple authoritative sources from 2025 and 2026 consistently rank Starling as the top choice for everyday banking due to its comprehensive features, competitive rates, and minimal costs [4][5]. Specifically: * **Best Overall:** Starling Bank is named the "Best Digital Bank Overall" and "Best Online Bank Overall" by major financial review sites [3][5]. * **Top Rankings:** In *Which?* rankings, Starling earned **five stars** for every aspect of its current account service, topping the table for app-based bank”
We asked: “what is the best digital bank in the uk”
What you are still leaving on the table
Estimated revenue going to competitors in the answers you don't win — even though AI names you more than anyone else.
~100 buyers a month ask AI in your category · 37% of answers name a competitor · 20% convert · £500 average customer value.
Revenue Opportunity Map
Every buying question. And who AI hands it to.
AI recommends you
Named, not recommended
AI recommends a competitor
Nobody owns this yet
AI recommends a competitor · 12
Your AI Action Plan
What to change, in the order that changes the most.
1 / 10 unlocked
How this is ordered: by how many of your losing answers each action touches, weighted against the work it takes. The action that changes the most answers for the least effort is first. Difficulty and effort are our estimates, not measurements — everything else on this page was counted.
Publish explicit ATM withdrawal fee structure
AI cannot recommend a fee-free service when the real fee structure is absent from your published content. This is the single most concrete blocker—competitors rank higher because they have transparent fee pages. Publishing this removes a direct reason AI gives for recommending rivals.
Targets the 95 answers where Revolut was recommended instead of Monzo. AI will stop defaulting to competitors when evaluating fee policies, as it will find your answer first on monzo.com instead of turning to Revolut's site or external review sites.
- 01Audit your actual ATM withdrawal fees by region (UK, EU, rest of world) and document the real policy—free, capped, or tiered.
- 02Create a single page at /fees/atm-withdrawals-limits with a clear table: Region | Fee | Limit | Exceptions.
- 03Include a direct statement: 'Monzo ATM withdrawals cost [X] in the UK and [Y] abroad' in the first paragraph so AI extracts this immediately.
- 04Link this page from your homepage fees section and from the Plus/Pro plan comparison so AI finds it when comparing pricing.
- 05Add a FAQ section answering: 'Is Monzo fee-free for ATM withdrawals?' with your exact answer.
The buying questions this affects
- “AI cannot find your fee structure for ATM withdrawals, so it recommends banks with clearer policies”
The page to publish
ATM Withdrawals and Limits – Fees and Worldwide Access
/fees/atm-withdrawals-limits
Content writer
Low(est.)
About 3 hours(est.)
Complete the first 5 actions and you are working on up to 61 of the 258 AI responses measured in this report.
Those 61 are the answers where AI named a competitor and never named you. That count is measured, not modelled. We cannot promise an assistant will change its answer — we can tell you exactly which answers are in play.
The number you move
Your AI Trust Score.
AI Trust Score
AI is starting to trust you
How much evidence an AI has to confidently recommend you. Four components, each counted from the answers in this report — and each one you can move.
Does AI know who you are, and is what it knows correct?
Named in 45 of 45 answers to questions that ask about you directly. 11 of 611 things AI said about you look wrong. 1 of 3 assistants said they have never heard of you.
How to move it
Publish one page that states plainly who you are, what you sell and who you serve — in the words your buyers actually use. AI cannot repeat what you have never said.
Do the sources AI actually reads mention you?
Your site was cited 110 times across 189 searched answers. Sources naming Revolut were cited 819 times.
How to move it
Get named on the sources AI actually reads. They are listed, in order, in the Citation Gap section of this report. Being in them is the whole game.
When AI names you, does it have anything concrete to say?
AI named you in 174 answers, endorsed you in 93, and said something specific about you in 169.
How to move it
Give AI something concrete and correct to repeat: outcomes, numbers, credentials, guarantees. A brand with nothing specific to say gets listed, not recommended.
Across the questions your buyers ask, how many does AI know you for?
AI named you in 174 of 258 answers, across 48 of the 60 buyer questions we asked.
How to move it
Answer the buying questions AI is currently handing to a rival. They are ranked by what they are costing you in the Revenue Opportunity Map.
Become the business AI recommends.
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