AI recommendation index · ranked by measured share, not opinion

Banks — Canada

These are the 35 banks Canadians can bank with directly, eligible for the Trust Index. The index will measure which ones AI assistants name when Canadians ask where to open an account, borrow or save.

Eligible list published · first reading in capture 6–8 November 2026 · method v2.3 · 16 questions × scored assistants × 3 runs

How a reading is built

3runs

Every scored question is put to every scored assistant three times, under identical settings, inside one 72-hour window.

Same questionsSame settings72 hours

What the score means

0 – 100

AI recommendation share: how often a business is named, weighted by its position in the answer. The spread across runs is published with it.

Never namedAlways first

What a place costs

No business can pay to be scored, listed, moved or removed. Eligibility comes from a published list, fixed before any assistant is asked.

No pay-to-play

This reading's movers

UNIVERSE

35 banks

Of 78 banks regulated by OSFI (34 Schedule I, 15 Schedule II, 29 Schedule III), the 35 offering personal banking or credit directly under their own name.

PROMPTS

16 scored, frozen

16 scored questions across five pillars, frozen 6 November 2026, plus one question about each bank named, reported, not ranked.

IN CAPTURE

First reading: 6–8 November 2026

ChatGPT, Gemini and Google AI Mode, three runs. The reading publishes after the human check.

The ranking

Share is the position-weighted share of answers that recommend the business, 0 to 100, across every scored question, assistant and run in the reading. Spread is the variation between runs. Engines shows which of the scored assistants named the business at least once.

The eligible list: 35 federally regulated banks that Canadians can bank with directly under the bank's own name, from OSFI's list of 78 banks (Bank Act Schedules I, II and III). Scores fill in after the first reading.

Not eligible (43). Laurentian Bank, whose retail clients moved to National Bank when its sale closed (scheduled 1 November 2026). Banks that serve only businesses, institutions or other banks, and banks that sell only through brokers, advisors or dealers (for example B2B Bank, VersaBank and Concentra). Schedule III foreign bank branches cannot take most retail deposits; the one consumer card issuer among them (Capital One) is included. Credit unions that are not federal banks are outside this list.

Show the 43 banks not eligible

B2B Bank (Schedule I); Bank of America, National Association (Schedule III); Bank of China Limited (Schedule III); Bank of New York Mellon (The) (Schedule III); Barclays Bank PLC (Schedule III); BNP Paribas (Schedule III); Chang Hwa Commercial Bank, Ltd., Toronto Branch (MU) (Schedule III); China Construction Bank (Schedule III); Cidel Bank Canada (Schedule II); Citco Bank Canada (Schedule II); Citibank Canada (Schedule II); Citibank, N.A. (Schedule III); Concentra Bank (Schedule I); Coöperatieve Rabobank U.A. (Schedule III); Crédit Agricole Corporate and Investment Bank (Schedule III); Deutsche Bank AG (Schedule III); Digital Commerce Bank (Schedule I); Fifth Third Bank, National Association (Schedule III); First Commercial Bank (Schedule III); General Bank of Canada (Schedule I); J.P. Morgan Bank Canada (Schedule II); JPMorgan Chase Bank, National Association (Schedule III); Laurentian Bank of Canada (Schedule I); M&T Bank (Schedule III); Maple Bank GmbH (Schedule III); Mega International Commercial Bank Co., Ltd. (Schedule III); Mizuho Bank, Ltd. (Schedule III); MUFG Bank, Ltd. (Schedule III); Natixis (Schedule III); Northern Trust Company (The) (Schedule III); PNC Bank, National Association (Schedule III); Questbank (Schedule I); RFA Bank of Canada (Schedule I); Santander Consumer Bank (Schedule II); Société Générale (Schedule III); State Street Bank and Trust Company (Schedule III); Sumitomo Mitsui Banking Corporation (Schedule III); U.S. Bank National Association (Schedule III); UBS Bank (Canada) (Schedule II); United Overseas Bank Limited (Schedule III); Vancity Community Investment Bank (Schedule I); VersaBank (Schedule I); Wells Fargo Bank, National Association (Schedule III)

Included with care. Card and lending banks with no deposit accounts (Rogers Bank, American Express, Capital One, Fairstone, HomeEquity Bank) are included because Canadians choose them directly for personal credit.

Agency client: see independence

Eligible but not named

After the first reading, eligible businesses that no assistant named are listed here. Not named means not named; it is not a judgment about the business.

The 17 questions we asked

Each scored question was asked three times to each scored assistant during the capture window, with no account history and no location signal beyond the question text. The branded question is reported, not counted toward the ranking.

Prompt set frozen 6 November 2026. The 16 scored questions are asked unchanged in every run; the 17th asks about each bank named, by name, and is reported, not scored.

01What is the best bank in Canada right now?Category
02Which Canadian bank should I switch to?Category
03Which banks in Canada have the best customer service?Category
04Best bank for someone moving to Toronto?Local
05Which bank is best in Quebec for a francophone customer?Local
06Which bank should I use for everyday banking in Vancouver or Calgary?Local
07Which Canadian banks have the fewest complaints?Risk and compliance
08Which bank in Canada is the safest place for my savings?Risk and compliance
09Which Canadian banks are best at protecting customers from fraud?Risk and compliance
10Are there banks in Canada I should avoid, and which should I choose instead?Risk and compliance
11Which Canadian bank has the best mobile app?Innovation
12Which online banks in Canada are worth using?Innovation
13Best bank for a newcomer to Canada with no credit history?Outcome
14Best no-fee chequing account in Canada?Outcome
15Which bank should a first-time home buyer in Canada use for a mortgage?Outcome
16Compare three Canadian banks for a student.Outcome
17Is [bank] a good bank to open an account with?BrandedReported, not ranked

How this was measured

OSFI list of regulated banks (open.canada.ca dataset, record of 3 October 2026), checked against Bank Act Schedules I and II: 78 banks. Eligible: banks offering personal deposits, cards or loans to individuals directly under their own name; business-only and broker-only banks excluded. Consumer brands grouped to the regulated bank.

Read the full methodology

Use this data

Every number on this page is published as structured data for journalists, researchers and AI systems. Cite the reading, not the page: readings are dated, and any correction is logged on the reading with its date, with the superseded figures left visible.

Trust Index, Banks · Canada, eligible list (first reading in capture, November 2026). https://thetrustindex.ai/rankings/ca-banks-canada

Readings are dated; any correction is logged on the reading with its date.

A measurement of AI assistant recommendation share, not advice, an endorsement or a quality rating. See Terms.

Structured data for this market: /data · Press guide: /press · Corrections: /corrections

Is your business on this list?

Every eligible business has a page here whether it was named or not. Check your standing, request a correction, or ask how monitoring works. The score itself is never for sale.

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