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Monzo
VS
Starling
Google Gemini Analysis UK Digital Banking 30 Queries Analyzed January 2026
🏆

Monzo Takes the Crown

With 54.2% Share of Voice vs Starling's 25%, Monzo dominates AI visibility in UK digital banking. However, Starling leads in travel banking and freelancer recommendations, showing that strategic focus can win specific battles.

Monzo Metrics
Share of Voice
54.2%
Market Leader
Visibility Score
29.0
+29% vs baseline
Average Position
#1.0
Top Position
Mention Rate
43.3%
Queries Appeared
26
Starling Metrics
Share of Voice
25.0%
-29.2pp gap
Visibility Score
Average Position
#2.2
-1.2 positions
Mention Rate
20.0%
Travel Banking
#1
Category Leader

Market Share of Voice

Head-to-Head Comparison

Share of Voice
54.2%
25%
Mention Rate
43.3%
20%
Questions Appeared In
26
12
Travel Banking (Starling Wins! ⭐)
#2
#1

Sentiment Analysis

Overall Sentiment
Positive
Positive
Security Perception
Strong
Strong
Customer Service
Mixed
Positive
Budgeting Tools
Excellent
Good

Positive Themes Mentioned

Monzo

Budgeting Pots User-Friendly App FSCS Protected No Fees Abroad Instant Notifications

Starling

Travel Banking Business Accounts Customer Service Interest on Balance Freelancer Focus
12
Direct Comparison Queries
10
Monzo Wins
2
Starling Wins

Query Performance Matrix

Gemini Results
Query Intent Monzo Starling Winner
Best online banks in UK with no monthly fees Comparison #1 #2 M
Monzo vs Revolut: Which is better for travel? Comparison #1 M
Best bank for frequent travelers in UK Recommend #2 #1 S
Compare Monzo, Starling, and Wise for transfers Comparison #1 #2 M
Which online bank best for students in UK? Recommend #1 #4 M
Recommend a bank for managing personal finances Recommend #1 #2 M
Most user-friendly online banking app in UK Recommend #1 #2 M
Which bank best customer service: Monzo, Starling, Revolut? Comparison #1 #1 Tie
Best alternatives to Monzo for digital banking Comparison #1 #6 M
Monzo vs Starling: Better for small businesses? Comparison #1 #2 M
UK bank with budgeting tools and features Recommend #1 #2 M
Bank for freelancers with accounting integration Recommend #1 S

M = Mentioned   = Not Present   M/S = Winner

Get Full 30 Query Report

Strategic Recommendations

For Monzo

1
Close the Freelancer Gap

Create content targeting accounting software integrations – the only query where Monzo is completely absent.

+5% visibility boost
2
Launch G2 & Trustpilot Campaign

Reviews are a major citation source for AI assistants. Zero citations currently.

+8-10% citation rate
3
Challenge Starling in Travel

Starling wins travel banking queries. Create dedicated travel content hub.

Compete for #1

For Starling

1
Double Down on Niches

Already winning in travel and freelancer queries. Expand content depth in these areas.

Defend competitive moats
2
Target Generic Banking Queries

Monzo dominates generic "best bank" queries. Create comparison content positioning Starling.

+15% market share
3
Highlight Customer Service Edge

AI responses note Starling's superior customer service. Amplify this messaging.

Differentiation advantage

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