AI Recommendation Report · Monzo · 14 July 2026
AI names Monzo, but it is not the business AI recommends first.
Executive summary
209 answers · 53 questions
Across the 209 AI recommendations we analysed, your business appeared in 21. Your largest competitor, Chase, appeared in 17.
To decide who to recommend, AI read 68 sources. 10 of those citations were Monzo.
Of the 53 buying questions we put to 5 AI assistants, AI recommends you for 5, names you without recommending you for 4 and hands 6 straight to a competitor. 38 questions are owned by nobody yet — the cheapest ground on the map.
Your AI Trust Score is 21 out of 100. AI has no reason to recommend you.
The quickest opportunity is “good bank for people with bad credit”, where Chime currently takes 4 of the 4 answers. A best-for guide is the asset that competes for it.
Complete the first 5 actions and you are working on up to 28 of the 209 AI responses measured in this report.
Google AI did not answer any of the 53 questions we put to it, so it is not represented in this report. Everything else in this report completed normally.
AI named Chase 17 times and Monzo 21 times across the 209 answers we measured.
Counted across 209 AI answers to 53 of your buyers’ real questions.
The problem
AI is telling your customers something wrong about Monzo.
We put 53 of your buyers’ real questions to five AI assistants and read 209 answers. AI named you 21 times. It named you 21 times.
Who AI actually recommends
You are the business AI names most.
Counted across 209 answers to 53 questions your buyers actually ask. Counts, not percentages: a share-of-voice chart would round zero up into something that looks survivable.
The evidence
What the AI engines told your customer.
“Short answer: it depends on what you care about. Below are the main things to compare for joint accounts and a few good options based on common priorities. What to look for (quick checklist) - Fees & minimums: monthly maintenance, ATM, overdraft. - Branch / cash deposits: do you need a local branch or lots of ATMs? - Mobile app / transfers: Zelle, person-to-person pay, easy transfers between owners. - Interest / APY (if it’s a savings account). - How easy it is to add/remove an owner and what happens at death/divorce (check survivorship/POD options). - FDIC/NCUA insurance: joint acc”
We asked: “which bank is good for joint accounts”
Google AI did not return an answer for this question.
We asked: “what's the best digital bank in the UK”
“# Best Banks for Splitting Bills For splitting bills with friends, here are your best options: **Apps/Services (easiest):** - **Venmo** - Most popular for peer-to-peer payments; free for bank transfers - **PayPal** - Similar to Venmo with good fraud protection - **Square Cash** - Simple and straightforward - **Google Pay or Apple Pay** - Built into phones, works with any bank **Bank-specific options:** - **Chase** - QuickPay feature works well - **Bank of America** - Zelle integration (also available through most banks) - **Charles Schwab** - Good if you bank there already **For shared exp”
We asked: “best bank for splitting bills with friends”
“Choosing the "best" bank for a joint account depends on your financial habits—specifically whether you want to manage everything through an app, prefer physical branches, or need high interest rates. Here are the top recommendations categorized by what makes them strong contenders for joint accounts: ### 1. Best for Couples Who Want "Modern" Features: **SoFi** SoFi is excellent for couples who want to combine finances while maintaining some level of organization. * **Why it’s great:** They offer "Vaults," which act like sub-accounts within a single savings account. You and your partner can”
We asked: “which bank is good for joint accounts”
“The best overall bank for teenagers starting out in the U.S. is **PNC Bank**, which is recognized as the top choice for students overall, while **Citizens Bank** offers the best free account option with no monthly maintenance or overdraft fees [2][4]. For teens specifically looking for a no-fee experience, Citizens Student Checking provides essential tools like a mobile app and a Savings Tracker, making it a strong starting point [4]. In Canada, the best overall option is **Simplii Financial** with its No Fee Chequing Account [3]. Key features to prioritize when choosing a teen bank account ”
We asked: “best bank for teenagers starting out”
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 · 13% 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 · 6
Nobody owns this yet · 38
Your AI Action Plan
What to change, in the order that changes the most.
1 / 8 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 US-specific deposit insurance and regulatory clarity document
AI assistants explicitly stated they need 'clear documentation on joint disputes' and 'U.S.-specific deposit insurance arrangements' to recommend Monzo over Chase. This removes a direct blocker that currently causes 28 recommendations to go to Chase instead.
Targets the 28 instances where Chase was recommended instead of Monzo. Removes the transparency objection AI systems cite when comparing the two banks directly.
- 01Work with Monzo's US compliance and legal team to document exact FDIC coverage limits for individual and joint accounts
- 02Create a single page on monzo.com/us that clearly states: FDIC insurance amount per account type, joint account dispute resolution process, and how coverage differs from Chase
- 03Include a side-by-side comparison table: Monzo vs Chase on deposit insurance clarity (to make it easy for AI systems to cite)
- 04Embed this page in the main FAQ and link to it from the homepage hero section
- 05Notify Bankrate and Finder (sources AI reads 4 and 3 times respectively) that this page exists via their editorial contact forms
The buying questions this affects
- “Transparency (more published data on U.S.-specific deposit insurance arrangements and clear documentation on joint disputes)”
The page to publish
US Deposit Insurance and Account Protection: Your Money Guaranteed
us-deposit-insurance-fdic-protection
Content writer
Low(est.)
About 4 hours(est.)
Complete the first 5 actions and you are working on up to 28 of the 209 AI responses measured in this report.
Those 28 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 has no reason to recommend 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 0 of 40 answers to questions that ask about you directly. 2 of 58 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 10 times across 19 searched answers. Sources naming Chase were cited 79 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 21 answers, endorsed you in 7, and said something specific about you in 21.
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 21 of 209 answers, across 9 of the 53 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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