Business banking for enterprise buyers
Asked as “business bank account for a company”, and as “banking platform for a startup”, on behalf of an enterprise B2B company. 45 first choices recorded across the direct, paraphrase, budget and scale prompts, twelve models each.
By buyer segment
The same question asked on behalf of a different buyer. Each standing is computed within its segment; they sit side by side and are never added together.
01The standing
Share is the count of first choices across the direct, paraphrase, budget and scale prompts, over all twelve models, for an enterprise B2B company. Ordered by share.
ProductFirst-choice shareNegative rateLabelsQuadrant
Bars are the share of first choices, 0 to 100Every product with at least 10 labels here. Every product name links to its vendor page.
Recommended versus criticized
Every product with at least 10 labels here, on both axes. The 30% line names a quadrant, not the verdict above: that one needs more than 40%.
Criticized challengerCriticized default
Negative label rate →
01
02
03
04
05
06
07
08
09
10
11Accepted challengerEndorsed leader
0%First-choice share → · lines at 30% share and 25% negative40%
Key
01Rho20%
Rho20%02Brex18%
Brex18%03Chase Business Banking16%
Chase Business Banking16%04Mercury9%
Mercury9%05Ramp7%
Ramp7%06Wells Fargo4%
Wells Fargo4%07Bank of America2%
Bank of America2%08Airwallex2%
Airwallex2%09HSBC0%
HSBC0%10Relay0%
Relay0%11Citibank0%
Citibank0%02What they warned about
Four of twelve models held their first choice under the paraphrase. Perplexity Sonar, Grok 4.1 Fast, Mistral Small, DeepSeek V4 Flash, Qwen 3.7 Flash, Kimi K2, GLM 4.7 FlashX and MiniMax M2.5 changed. A high negative share on a product with few labels is a warning. A low share on a product with many labels is salience, not sentiment.
Bank of America30%
10 of 33 labels negative · 7 of 12 models · 3 hard negative
“traditional banks like Chase, Bank of America, or Citi are the **least predictable**” GLM 4.7 FlashX, budget prompt
Chase Business Banking21%
9 of 43 labels negative · 7 of 12 models · 2 hard negative
“traditional banks like Chase, Bank of America, or Citi are the **least predictable**” GLM 4.7 FlashX, budget prompt
Wells Fargo42%
8 of 19 labels negative · 7 of 12 models · 2 hard negative
“Frequent operational glitches and regulatory scrutiny make it unreliable for mission-critical enterprise treasury.” Grok 4.1 Fast, negative prompt
Citibank33%
7 of 21 labels negative · 6 of 12 models · 4 hard negative
“business banking providers that large enterprises should be cautious about or avoid include: 1. Citigroup” Llama 4 Maverick, negative prompt
03What they cite
Citations exist only for the models that return a source list: twelve of the twelve in this edition, and all six flagship models on the expanded tier.
Sites the answers cite
63 of 72 answers in this category came back with a source list, from 12 of 12 models: citations where the model returns them, or the search results it consulted. 6 of those lists are Google grounding redirects that name no site and are left out of the counts. 1063 links across 394 sites, every framing counted. Ranked by the number of answers carrying the site or page.
vendor site · Rho29 answers · 50 citations · 10 models
26 answers · 52 citations · 10 models
vendor site · Airwallex24 answers · 37 citations · 9 models
vendor site · Found21 answers · 22 citations · 10 models
20 answers · 24 citations · 9 models
vendor site · Backbase20 answers · 22 citations · 10 models
18 answers · 20 citations · 9 models
15 answers · 30 citations · 10 models
15 answers · 16 citations · 9 models
vendor site · Brex14 answers · 33 citations · 7 models
13 answers · 18 citations · 7 models
vendor site · Ramp12 answers · 16 citations · 7 models
Pages the answers cite
The ten pages named in the most answers, by full address. A page here is one the models returned with a recommendation, not one the index endorses.
26 answers · 9 models
20 answers · 9 models
19 answers · 9 models
16 answers · 8 models
16 answers · 9 models
15 answers · 9 models
12 answers · 9 models
10 answers · 7 models
8 answers · 6 models
8 answers · 5 models
04How they answered
Six framings of the same buying question, each sent to every model in a fresh session with search on. One row per model, so a row shows whether it held its answer under rewording, what it named when cost was the constraint, and what it argued against. Computed from the raw judge labels.
ModelDirect“What is the best business bank account for a company for an enterprise B2B company?”Paraphrase“Which banking platform for a startup would you recommend to a large B2B company with thousands of employees?”Comparative“What are the top enterprise-grade business banking providers and how do they differ?”Budget-constrained“What is the best business bank account for a company for a large company that needs predictable total cost across thousands of users?”Scale-constrained“We are a 5,000 person company with SSO, SOC 2 and procurement review requirements evaluating a business bank account for a company. What should we look at?”Negative“Which business banking providers should a large enterprise avoid or be cautious about?”
Claude Haiku 4.5no first choiceno first choiceHeldagainst: Silicon Valley BankTemenosNBKCno first choiceagainst: Bank of America, Chase Business Banking, Wells Fargo
Three alternatives
Brex, Chase Business Banking, MercuryTwo alternatives
Infosys Finacle, Oracle FLEXCUBETwo alternatives
Brex, Capital OneGPT-5.4 miniChase Business BankingChase Business BankingHeldagainst: MercuryCitibankPNC Bankagainst: Bluevine, Mercury, Relay, Rhono first choicenothing named
Three alternatives
Bank of America, PNC Bank, U.S. BankTwo alternatives
Brex, RampFive alternatives
Bank of America, Chase Business Banking, PNC Bank, U.S. Bank, Wells FargoThree alternatives
Bank of America, Chase Business Banking, U.S. BankGemini 3.5 FlashBrexBrexHeldagainst: MercuryChase Business BankingRhoagainst: Bank of America, Brex, Chase Business Banking, Citibank, RampChase Business Bankingagainst: Lili, Mercury, Novo, Synapse Financial Technologies
Five alternatives
Airwallex, Bank of America, Chase Business Banking, Mercury, RhoOne alternative
RhoFive alternatives
Bank of America, Brex, Citibank, Mercury, RhoOne alternative
BILL Spend & ExpenseTwo alternatives
Brex, RampPerplexity SonarRhoBackbaseChangedBrex, Mercuryagainst: FoundRhoagainst: Relayno first choiceagainst: Wells Fargo
Four alternatives
Bluevine, Brex, Chase Business Banking, RelayFive alternatives
ConnectPay, FIS, Mambu, Oracle Banking Digital Experience, Wise BusinessFive alternatives
Airwallex, Bank of America, Chase Business Banking, Relay, RhoOne alternative
Commercial checking at a major bankGrok 4.1 FastChase Business Bankingagainst: Mercury, RhoBrexChangedagainst: Bank of America, Chase Business Banking, Mercury, Ramp, RhoBank of America, Chase Business Bankingagainst: Airwallex, Revolut BusinessRhoagainst: Bank of America, Chase Business BankingMercuryagainst: Bank of America, Barclays, Citibank, Deutsche Bank, HSBC, Santander, Standard Chartered, Tide, Wells Fargo
Three alternatives
Bank of America, Citibank, PNC BankFive alternatives
BNP Paribas, Citibank, Deutsche Bank, HSBC, MUFGTwo alternatives
Mercury, RelayTwo alternatives
Brex, RelayMistral SmallAirwallexRhoChangedChase Business BankingDKB Businessno first choiceagainst: Wise Business
Two alternatives
Axos Bank, QontoFour alternatives
Bank of America, Brex, Chase Business Banking, MercurySix alternatives
Backbase, Bank of America, Citibank, HSBC, Industrial and Commercial Bank of China, Oracle Banking Digital ExperienceTwo alternatives
Qonto, RhoDeepSeek V4 FlashChase Business Banking, U.S. BankBrexChangedagainst: MercuryChase Business Banking, CitibankRhoagainst: Airwallex, Brex, RampRampagainst: Bank of America, Chase Business Banking, Mercury, Wells Fargoagainst: BMO, Brex, First Republic, Mercury, Rho, Signature Bank, Silicon Valley Bank, TD Bank, Truist, U.S. Bank, Wells Fargo
Seven alternatives
Bank of America, HSBC, Mercury, Ramp, Relay, Rho, Wise BusinessFive alternatives
Bank of America, Chase Business Banking, Citibank, Ramp, RhoEleven alternatives
BNP Paribas, Bank of America, FIS, HSBC, Mercury, Oracle FLEXCUBE, Qonto, Relay, Temenos, Wells Fargo, nCinoTwo alternatives
Mercury, Wallester BusinessOne alternative
BrexLlama 4 Maverickno first choiceno first choiceHeldno first choiceRhono first choiceagainst: Citibank, HSBC
Three alternatives
Airwallex, Found, HandelsblattQwen 3.7 FlashChase Business BankingRamp, TimbreChangedagainst: Aspiration, MercuryChase Business Banking, HSBCRampno first choiceagainst: Bank of America, Chase Business Banking, Citibank, HSBC, Monzo, Morgan Stanley, Revolut Business, Signature Bank, Silicon Valley Bank, Wells Fargo
Five alternatives
Airwallex, Bank of America, Mercury, PNC Bank, RampThree alternatives
Bill.com, Chase Business Banking, UnitThree alternatives
BNP Paribas, Bank of America, CitibankThree alternatives
Brex, Chase Business Banking, Wells FargoKimi K2Mercury, PNC BankBrexChangedBank of America, Chase Business BankingRhoagainst: Bank of America, Brex, Chase Business Banking, PNC Bank, Rampno first choiceagainst: Bank of America, Brex, Chase Business Banking, Citibank, First Republic, Mercury, Ramp, Revolut Business, Signature Bank, Silicon Valley Bank, TCF National Bank, Wells Fargo
Three alternatives
Brex, Chase Business Banking, RelayTwo alternatives
Mercury, RampFive alternatives
Citibank, Deutsche Bank, HSBC, U.S. Bank, Wells FargoOne alternative
MercuryGLM 4.7 FlashXBrexGTreasury, KyribaChangedno first choiceBrexagainst: Bank of America, Chase Business Banking, Citibankno first choiceagainst: Citibank, Evolve Bank & Trust, Greensill Capital, Synapse Financial Technologies, The Co-operative Bank, Wells Fargo
Five alternatives
Airwallex, Bank of America, Chase Business Banking, FitGap Enterprise BaaS, Wise BusinessFive alternatives
Airwallex, J.P. Morgan Treasury Services, Ramp, Standard Chartered Corporate Banking, Wells Fargo Treasury ServicesOne alternative
MercuryMiniMax M2.5PNC Bank, Wells FargoMercury, RhoChangedChase Business BankingBank of America, Chase Business Banking, Wells Fargoagainst: Brex, RhoBrex, Mercurynothing named
Two alternatives
Brex, RhoTwo alternatives
Airwallex, Revolut BusinessFour alternatives
Bank of America, Citibank, HSBC, Wells FargoOne alternative
KyribaBold is the first choiceAlternatives are counted; the count opens them.What the answer argued against
05The record
One row per call: the version string exactly as returned, whether the model searched, sources cited, and latency. Full answer text is in the free responses file. Download the record
Seventy-two rows: every prompt, every model, every answer.
| Prompt | Model | Version string | Time (UTC) | Searched | Sources | Latency |
|---|---|---|---|---|---|---|
| Direct recommendation | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-09-17 19:50 | no | 0 | 5 s |
| Direct recommendation | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-09-17 18:42 | yes | 4 | 7 s |
| Direct recommendation | Gemini 3.5 Flash | gemini-3.5-flash | 2026-09-17 19:41 | yes | 25 | 27 s |
| Direct recommendation | Perplexity Sonar | sonar | 2026-09-17 17:56 | yes | 20 | 8 s |
| Direct recommendation | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-09-17 19:10 | yes | 29 | 17 s |
| Direct recommendation | Mistral Small | mistral/mistral-small via mistral | 2026-09-17 19:06 | yes | 15 | 12 s |
| Direct recommendation | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via fireworks | 2026-09-17 21:02 | yes | 27 | 34 s |
| Direct recommendation | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-09-17 19:58 | yes | 5 | 2 s |
| Direct recommendation | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-09-17 20:51 | yes | 13 | 45 s |
| Direct recommendation | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-09-17 18:03 | yes | 19 | 33 s |
| Direct recommendation | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-09-17 18:34 | yes | 28 | 110 s |
| Direct recommendation | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-09-17 18:01 | yes | 10 | 46 s |
| Paraphrase | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-09-17 20:57 | no | 0 | 5 s |
| Paraphrase | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-09-17 19:34 | no | 0 | 7 s |
| Paraphrase | Gemini 3.5 Flash | gemini-3.5-flash | 2026-09-17 21:55 | yes | 26 | 197 s |
| Paraphrase | Perplexity Sonar | sonar | 2026-09-17 19:24 | yes | 20 | 6 s |
| Paraphrase | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-09-17 19:58 | yes | 42 | 19 s |
| Paraphrase | Mistral Small | mistral/mistral-small via mistral | 2026-09-17 18:31 | yes | 5 | 7 s |
| Paraphrase | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via fireworks | 2026-09-17 20:49 | yes | 19 | 23 s |
| Paraphrase | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-09-17 20:24 | yes | 5 | 3 s |
| Paraphrase | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-09-17 19:05 | no | 0 | 32 s |
| Paraphrase | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-09-17 19:36 | yes | 15 | 22 s |
| Paraphrase | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-09-17 20:48 | yes | 30 | 80 s |
| Paraphrase | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-09-17 18:22 | yes | 5 | 45 s |
| Comparative | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-09-17 20:27 | yes | 26 | 14 s |
| Comparative | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-09-17 20:48 | yes | 6 | 12 s |
| Comparative | Gemini 3.5 Flash | gemini-3.5-flash | 2026-09-17 19:22 | yes | 14 | 38 s |
| Comparative | Perplexity Sonar | sonar | 2026-09-17 18:53 | yes | 20 | 11 s |
| Comparative | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-09-17 18:43 | yes | 36 | 17 s |
| Comparative | Mistral Small | mistral/mistral-small via mistral | 2026-09-17 18:10 | yes | 10 | 11 s |
| Comparative | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-09-17 20:21 | yes | 29 | 96 s |
| Comparative | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-09-17 20:50 | yes | 9 | 5 s |
| Comparative | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-09-17 19:10 | yes | 10 | 31 s |
| Comparative | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-09-17 19:26 | yes | 14 | 31 s |
| Comparative | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-09-17 20:11 | yes | 30 | 25 s |
| Comparative | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-09-17 20:26 | yes | 23 | 40 s |
| Budget constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-09-17 20:57 | yes | 18 | 7 s |
| Budget constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-09-17 21:01 | yes | 2 | 7 s |
| Budget constrained | Gemini 3.5 Flash | gemini-3.5-flash | 2026-09-17 21:18 | yes | 11 | 53 s |
| Budget constrained | Perplexity Sonar | sonar | 2026-09-17 19:31 | yes | 20 | 8 s |
| Budget constrained | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-09-17 18:38 | yes | 21 | 17 s |
| Budget constrained | Mistral Small | mistral/mistral-small via mistral | 2026-09-17 18:45 | yes | 5 | 5 s |
| Budget constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-09-17 18:20 | yes | 29 | 73 s |
| Budget constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-09-17 19:25 | yes | 5 | 3 s |
| Budget constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-09-17 19:27 | no | 0 | 33 s |
| Budget constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-09-17 19:15 | yes | 23 | 67 s |
| Budget constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-09-17 19:52 | yes | 35 | 58 s |
| Budget constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-09-17 18:07 | yes | 19 | 71 s |
| Scale constrained | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-09-17 20:36 | yes | 36 | 19 s |
| Scale constrained | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-09-17 18:31 | no | 0 | 11 s |
| Scale constrained | Gemini 3.5 Flash | gemini-3.5-flash | 2026-09-17 18:35 | yes | 15 | 34 s |
| Scale constrained | Perplexity Sonar | sonar | 2026-09-17 20:47 | yes | 20 | 12 s |
| Scale constrained | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-09-17 17:56 | yes | 34 | 17 s |
| Scale constrained | Mistral Small | mistral/mistral-small via mistral | 2026-09-17 20:40 | no | 0 | 10 s |
| Scale constrained | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via fireworks | 2026-09-17 18:13 | yes | 29 | 60 s |
| Scale constrained | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-09-17 20:57 | yes | 5 | 3 s |
| Scale constrained | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-09-17 20:33 | no | 0 | 32 s |
| Scale constrained | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-09-17 19:14 | yes | 25 | 40 s |
| Scale constrained | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-09-17 21:01 | yes | 25 | 76 s |
| Scale constrained | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-09-17 18:07 | yes | 10 | 26 s |
| Negative framing | Claude Haiku 4.5 | claude-haiku-4-5-20251001 | 2026-09-17 18:25 | yes | 28 | 11 s |
| Negative framing | GPT-5.4 mini | gpt-5.4-mini-2026-03-17 | 2026-09-17 19:49 | yes | 6 | 6 s |
| Negative framing | Gemini 3.5 Flash | gemini-3.5-flash | 2026-09-17 18:50 | yes | 12 | 30 s |
| Negative framing | Perplexity Sonar | sonar | 2026-09-17 20:52 | yes | 20 | 8 s |
| Negative framing | Grok 4.1 Fast | spacexai/grok-4.1-fast-non-reasoning via vertex | 2026-09-17 19:46 | yes | 25 | 16 s |
| Negative framing | Mistral Small | mistral/mistral-small via mistral | 2026-09-17 18:46 | yes | 5 | 5 s |
| Negative framing | DeepSeek V4 Flash | deepseek/deepseek-v4-flash via deepinfra | 2026-09-17 20:04 | yes | 25 | 91 s |
| Negative framing | Llama 4 Maverick | meta/llama-4-maverick via bedrock | 2026-09-17 19:24 | yes | 5 | 3 s |
| Negative framing | Qwen 3.7 Flash | alibaba/qwen3.7-flash via alibaba | 2026-09-17 19:17 | yes | 10 | 63 s |
| Negative framing | Kimi K2 | moonshotai/kimi-k2 via novita | 2026-09-17 19:39 | yes | 30 | 70 s |
| Negative framing | GLM 4.7 FlashX | zai/glm-4.7-flashx via zai | 2026-09-17 18:51 | yes | 24 | 81 s |
| Negative framing | MiniMax M2.5 | minimax/minimax-m2.5 via minimax | 2026-09-17 20:38 | no | 0 | 16 s |
Normalization in this category
Every judgment call made between the raw labels and the numbers above, listed so it is visible and reversible.
Category-scoped readings
American Express read as American Express Business Checking
Chase read as Chase Business Banking
Citi read as Citibank
Fifth Third read as Fifth Third Bank
First Republic Bank read as First Republic
J.P. Morgan read as Chase Business Banking
J.P. Morgan Chase read as Chase Business Banking
JPMorgan read as Chase Business Banking
JPMorgan Chase read as Chase Business Banking
PNC read as PNC Bank
SVB read as Silicon Valley Bank
Synapse read as Synapse Financial Technologies
Temenos Transact read as Temenos
Unresolved, counted raw
Agricultural Bank of China (ABC)
Axis Bank's Current Account for Large Corporates
BMO
Bank of China (BoC)
China Construction Bank (CCB)
Comarch Business Banking
Commercial checking at a major bank
DKB Business
Finastra FusionBanking
FitGap Enterprise BaaS
Goldman Sachs' Marcus for Business
Greensill Capital
Handelsblatt
ING Wholesale Banking
Industrial and Commercial Bank of China (ICBC)
IntraFi/ICS
J.P. Morgan Treasury Services
MUFG (Mitsubishi UFJ Financial Group)
Morgan Stanley
OnePay Enterprise
RBS's Business Bank Account
SDK.finance
Société Générale
Standard Chartered Corporate Banking (Straight2Bank S2B)
TCF National Bank
Timbre (formerly Divvy)
Triodos
Truist
Wallester Business
Wells Fargo Treasury Services
nBanks
Discontinued, still offered
No shut-down product was recommended here.