Finance AI Index

Index › Products › Monzo · October 2026 Edition

1 category · Named, not ranked

Monzo

2Judge labels

0First choices

1Negative labels

2 / 14Models named it

1Category

October 2026 Edition. Every number here is derived from the raw labels under vendor table v2026-10.7, every buyer segment counted.

Standing

1 label, too few to rank

A product needs 10 labels in a category before a share or quadrant is stated. Monzo was named 1 time in AML monitoring, where ComplyAdvantage led with 33%. The labels and the evidence are below, counted exactly.

By buyer segmentRead the same way at every buyer size.

Small businessnot named

No model named it for this buyer.

Mid-market92 of 108

under the label threshold

Enterprisenot named

No model named it for this buyer.

In aml monitoring · each standing computed within its segment · bars are 0 to 100 · the accent bar is the product's own best reading

Standing by category

Every category where a model named Monzo for a mid-market B2B company. Share is first choices across the direct, paraphrase, budget and scale prompts; rank is within every product named in that category.

Category	Function	Share	Rank	Negative rate	Labels	Quadrant	Since September 2026
AML and transaction monitoring	Tax and compliance	0%	92 of 108	100%	1	under 10 labels · led by ComplyAdvantage at 33%

Movement

This is the first edition on this tier, so no move can be computed for Monzo yet. From the next edition this section shows, per buyer segment and per category, whether its share moved by more than the measured noise floor.

By model

How each model treated Monzo across every prompt where it was named for a mid-market B2B company. Fourteen models, six prompts per category.

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Model	Negative	Labels
Claude Haiku 4.5	0	0
GPT-5.4 mini	0	0
Gemini 3.5 Flash	0	0
Perplexity Sonar	0	0
Grok 4.1 Fast	0	0
Mistral Small	0	0
DeepSeek V4 Flash	0	0
Llama 4 Maverick	0	0
Qwen 3.7 Flash	0	0
Kimi K2	1	1
GLM 4.7 FlashX	0	0
MiniMax M2.5	0	0
GPT-6 Luna	0	0
Muse Glimmer 30B	0	0

By framing

Which of the six questions produced the naming. By model says how often; this says asked what. The first-choice count on the right carries the marks of the models that produced it.

FramingLabels by classFirst choices

Direct0 labelsNone

Paraphrase0 labelsNone

Comparative0 labelsNone

Budget-constrained0 labelsNone

Scale-constrained0 labelsNone

Negative2 labelsNone

First choiceAlternativeMentionNegative2 labels in all, every segment counted; 0 of the 0 first choices count toward share, since the comparative and negative framings do not. The bar is one segment per label class, to scale within the framing.

What the models said for it

Verbatim evidence the judge attached to positive labels.

No positive label carried a quote.

And against it

Verbatim evidence attached to negative labels. A warning on a product with few labels is a warning; on a product with many, it is one voice among them.

“Monzo (£21M fine, 2024) and Block/Cash App ($40M fine) demonstrate that growth without proportional compliance investment is dangerous” Kimi K2 · AML monitoring · negative prompt · soft negative

Named alongside

The products named in the same answers as Monzo, over the 2 answers that named it. Took the first choice instead counts the answers where the other product was the first choice and Monzo was named but was not.

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ProductSame answerTook the first choice insteadHead to head

Barclays1 of 20Not among the top eight

Block1 of 20Not among the top eight

Bluevine1 of 20Not among the top eight

Cash App1 of 20Not among the top eight

Chase Business Banking1 of 20Not among the top eight

FICO TONBELLER1 of 20Not among the top eight

Mercury1 of 20Not among the top eight

NICE Actimize1 of 20Not among the top eight

NatWest1 of 20Not among the top eight

Oracle Mantas1 of 20Not among the top eight

A head-to-head page exists where both products are among a category's top eight. The other rows are the same fact without a page behind them, so they link to the product instead.

What carried it into the answer

The sites and pages cited by the answers that named Monzo. A fact about retrieval, not a lever on the model.

Citations exist only for the models that return a source list, five of the fourteen in this edition, so these counts come from 2 of the 2 answers that named Monzo and are not a share of its labels.

Domains cited

acaglobal.com1

applyright.co1

bluevine.com1

bureau.id1

businesscomparison.com1

chainalysis.com1

complyadvantage.com1

cside.com1

ey.com1

financefeeds.com1

Ten of the ten domain citations in answers naming Monzo came from somebody else's page.

Pages cited

acaglobal.com/industry-insights/aml-failures-under-the-microscope-lessons-from-fca-enforce1

applyright.co/en/guides/which-us-business-banks-freeze-accounts1

bluevine.com/blog/best-free-business-checking-account1

bureau.id/resources/blog/transaction-monitoring-software1

businesscomparison.com/blog/banking-finance/how-much-business-bank-accounts-costs1

chainalysis.com/glossary/transaction-monitoring1

complyadvantage.com/insights/topic/aml-compliance/page/91

cside.com/blog/best-transaction-monitoring-software1

Pages are listed as the models cited them.

Search and answers

monzo.com is not in Google's top ten for any of the category's searches. In the answers, Monzo takes 0% of first choices and ComplyAdvantage takes 33%.

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In search

Google, US estimates

Position for “aml and transaction monitoring platform”

–

not in the top ten

Position for “aml and transaction monitoring platforms”

–

not in the top ten

Searches for its name, Google: 9,900 a month (“monzo”)
AI search demand for its name, est.: 814 a month
Organic visits to its site: about 90,221 a month
Searches its site ranks for: 6,315 · 199 in the top three
Sites linking to it: 12,189
Paid Google search: No ads found in the estimate; that does not mean it runs none

Ads on GoogleDetailLess

4+ ads · 4 image · 0 shown in the last 30 days

First shown April 2026, as MONZO BANK LIMITED, verified. Ads started 2025-10 to 2026-09: 4 in the year. 116 more by other advertisers linking to it.

On Google's pages: 1 2 3 4

In answers

This edition

Share of first choices

rank 92 of 108 in AML monitoring

Segment leader

33%

ComplyAdvantage

First choices: 0 across its categories
Named in: 2 answers
Its own site cited: in 2 of the answers that named it

Search figures are US estimates from DataForSEO, read September 28, 2026; AI search demand is its modeled, directional estimate, not a count of queries to any assistant. The answers are this edition's. Two measurements side by side: neither is read as the cause of the other.

What it publishes

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Addresses on monzo.com

10,015

subdomains included

Content

1,238

counted in the table below

Documentation

8,077

Product · Integration

40 · 0

Kind	Pages	Last 90 days	Latest	Categories named
Blog	959	7	2026-09-21	Business banking, Accounting software
Glossary or explainer	105	0	2023-03-16
News or press	55	0	2017-03-20
Comparison	47	0	2019-04-01
Conference or event	29	0	2017-10-11
Report or ebook	18	0	2018-05-29
Podcast or video	11	0	2018-06-19
Template or tool	7	0	2018-04-12
Webinar or virtual event	5	0	2018-04-18
Case study	2	0	2017-12-12

Most recent

2026-09-21Fca ai live testing insights blog
2026-09-18Engineering and data internships at monzo blog
2026-09-09Interviewing for credit at monzo blog
2026-08-13Building agent chip blog
2026-08-13Best value beach huts blog
2026-08-11The teen summer jobs report 2026 blog

How it is countedHide how it is counted

Every page monzo.com exposes, subdomains included. Kind is read from the address and title. The last 90 days, the latest date and the twelve months count pages by when they were published, from the site's feeds, a date in the address, or the page's own publication date, read from up to a hundred of its most recently changed pages; a page that says only when it last changed is counted in its kind but not in when, so the recent counts are a floor, and a kind none of whose pages gives a publication date reads undated. An event counts as online when its address or title says so (webinar, on demand, virtual or online summit); a conference, summit, trade show, expo or roadshow that does not say so is counted as a conference or event, which on a vendor's site is mostly in person. Read September 29, 2026.

Follow Monzo

An email the morning each edition publishes: where this product moved, where it held, and by how much against the noise floor. One address, confirmed by a click; a stop link in every email.

Already following? Everything you follow, with a stop for each.

The company

Monzo is its own company.

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In its own words

Stated by the vendor, not checked

Positioning: Open a Free Account
monzo.com
For: UK residents
monzo.com
Price stated: Upgrade your personal account from £3 a month monzo.com
Starting price: £3 a month monzo.com
Free plan or trial: Open a free Monzo account monzo.com
Integrations claimed: 500 monzo.com/features/ifttt
Certifications: FSCS protectedauthorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation AuthorityFSCSauthorised by the Prudential Regulation Authorityregulated by the Financial Conduct Authority and the Prudential Regulation Authoritymember of the Financial Services Compensation Scheme (FSCS)
Not stated on the pages read: Hosting, customers

What Monzo's own pages state, read September 28, 2026: monzo.com, monzo.com/current-account/plans, monzo.com/security, monzo.com/features/ifttt. A claimed page can correct any of them.

Is this your product?

Claim this page

Claiming is free and changes nothing in the data. A claimed page shows a verified contact who is told when each edition publishes and when Monzo's standing changes by more than the noise floor; the right to propose corrections to the vendor table, meaning names the judge wrote that should or should not read as Monzo, applied by version and listed in the change log; and a one-line description supplied by the vendor and marked as such.

What a new claim receivesHide what a new claim receives

A new claim receives the current edition's vendor brief for Monzo by email, built from the raw record of the edition. It shows:

where Monzo is named, by buyer and by framing, and which cells hold its first choices;
the claims the models make when they name it, ranked, with the strongest and the weakest quoted;
its vocabulary against the segment leader's, and the pages the models cited;
who was chosen in the answers that did not name Monzo, and every reason the record gives;
a battlecard for each top rival: the head-to-head split, why they win, and the reservation quoted against them;
one page of published figures cleared to show a buyer.