# Novo vs Brex: which do AI models recommend for business banking, October 2026

Finance AI Recommendation Index, October 2026 Edition, Business banking. Zero of fourteen models named Novo first on the direct prompt; zero named Brex. Page: https://finance-ai-index.com/treasury/business-banking/novo-vs-brex/

| | First-choice share | Rank | Negative rate | Labels | Models naming it |
|---|---|---|---|---|---|
| Novo | 10% | #4 of 14 | 5% | 22 | 11 of 14 |
| Brex | 4% | #7 of 14 | 9% | 22 | 12 of 14 |

## The direct prompt, model by model

- Gemini 3.5 Flash: neither first, one named (first choices: Rho) (alternatives: Bank of America, Brex, Chase Business Banking, Mercury, Ramp)
- Perplexity Sonar: neither first, one named (first choices: Rho) (alternatives: Airwallex, Brex, Capital One Enhanced Checking)
- Kimi K2: neither first, one named (first choices: Chase Performance Business Checking) (alternatives: Brex, Mercury, Relay)
- GLM 4.7 FlashX: neither first, one named (first choices: Mercury) (alternatives: Airwallex, Bank of America, Brex, Chase Business Banking)
- Claude Haiku 4.5: neither named (first choices: Chase Business Banking) (alternatives: Bluevine Premier Business Checking, KeyBank, Relay)
- GPT-5.4 mini: neither named (first choices: J.P. Morgan Commercial Banking) (alternatives: Bank of America, Wells Fargo Commercial Banking)
- Grok 4.1 Fast: neither named (first choices: Chase Business Banking) (alternatives: Bank of America, Capital One)
- Mistral Small: neither named (first choices: Capital One) (alternatives: PNC Bank Treasury Enterprise Plan, Truist Bank, Wells Fargo)
- DeepSeek V4 Flash: neither named (first choices: Bank of America, Chase Business Banking) (alternatives: Capital One)
- Llama 4 Maverick: neither named
- Qwen 3.7 Flash: neither named (first choices: Ramp) (alternatives: Aspire, Bank of America, Chase Business Banking, Mercury, Oxygen Banking)
- MiniMax M2.5: neither named (first choices: PNC Bank) (alternatives: Capital One, First Internet Bank, Rho, Wise Business)
- GPT-6 Luna: neither named (first choices: J.P. Morgan Commercial Banking) (alternatives: Bank of America, Citibank, U.S. Bank)
- Muse Glimmer 30B: neither named (first choices: Bank of America, Chase Business Banking)

## What the models said about Novo

- "Online platforms like Novo or Lili are great for lean startups, but they lack a physical branch presence." (Gemini 3.5 Flash, negative prompt, soft negative)
- "Zero-cost digital first: Novo or American Express Business Checking if you want 100% free with no minimums and no fees on ACH/wires." (Muse Glimmer 30B, budget prompt, first choice)
- "Opt for established options like Novo, Lili, or traditional banks (e.g., Wells Fargo) with fewer closure complaints." (Grok 4.1 Fast, negative prompt, first choice)
- "If you want a simple, fee‑free online account: Go with Novo, Bluevine, or Lili." (GLM 4.7 FlashX, budget prompt, first choice)

## What the models said about Brex

- "I would generally recommend Brex if you want an all-in-one platform for banking, cards, treasury, and spend management" (Perplexity Sonar, paraphrase prompt, first choice)

Share is the count of first choices across the direct, paraphrase, budget and scale prompts over all fourteen models, for a mid-market B2B company; rank is within the category. Comparisons are drawn for the top eight products in each category. Published under CC BY 4.0; the output is the models' output, and nothing here is a recommendation by the index.