Debut vs Payap:Which is more popular?
In September 2026, Payap had more branded searches than Debut among neo-banks and everyday money apps in New Zealand. Payap had about 880 branded searches, while Debut had 10. Payap made up 5.2% of all neo-banks and everyday money app searches we track, and Debut accounted for 0.06%. When we asked ChatGPT and Google AI Overviews about neo-banks and everyday money apps, Debut appeared in two of the five answers and Payap in one. Debut and Payap were each mentioned first in one of the two answers that named either.
Who do people search for more?
Payap, about 88 searches for every 1 for Debut
Who does AI mention more?
Debut, mentioned in 2 of 5 answers, Payap in 1
Who does AI recommend more?
Each is named first in 1 of 2 answers.
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Top neo-banks and everyday money apps in ChatGPT and Google AI Overviews
In three ChatGPT questions and two Google AI Overviews, Debut was mentioned in two out of five: not in any of the three ChatGPT answers, but in both Google AI Overviews. Payap was mentioned in one out of five: not in any of the three ChatGPT answers, but in one of the two Google AI Overviews. Debut and Payap were each listed first in one of the two answers that named either.
Most recommended by AI
Brands get a higher ranking if they are mentioned earlier in the answers.
Mentioned by AI
Each dot is one answer, filled in when that answer mentions the brand.
Revolut2 of 5Named in 2 of 3 ChatGPT answersNamed in 0 of 2 Google answers
Wise2 of 5Named in 2 of 3 ChatGPT answersNamed in 0 of 2 Google answers
Dosh2 of 5Named in 0 of 3 ChatGPT answersNamed in 2 of 2 Google answers
Emerge2 of 5Named in 0 of 3 ChatGPT answersNamed in 2 of 2 Google answers- Debut2 of 5Named in 0 of 3 ChatGPT answersNamed in 2 of 2 Google answers
- Payap1 of 5Named in 0 of 3 ChatGPT answersNamed in 1 of 2 Google answers
Booster Savvy0 of 5Named in 0 of 3 ChatGPT answersNamed in 0 of 2 Google answers
See every answer about neo-banks and everyday money apps
5 answers
Asked ChatGPT
“Which digital bank should I use in New Zealand?”
Asked ChatGPT
“What are the best digital banks in New Zealand?”
Asked ChatGPT
“What's the best digital bank in New Zealand for everyday spending and saving?”
Searched Google, AI Overview
“digital banks nz”
Searched Google, AI Overview
“neo bank nz”
Not named in any answer:
Brands are shown in the order each answer named them. The survey took place in New Zealand on October 21, 2026.
Is Debut or Payap more popular in search?
This chart shows how often people search Google for Debut and Payap by name. Each line represents a brand's share of searches for all seven neo-banks and everyday money apps we track, month by month, from searches in New Zealand.
Share of searches by month for Payap, Debut. The figures are in the table below the chart.
View monthly share of searches table
| Month | Revolut | Wise | Payap | Dosh | Booster Savvy | Emerge | Debut |
|---|---|---|---|---|---|---|---|
| Oct 2025 | 52.3% | 20% | 11.6% | 9.6% | 4.3% | 1.9% | 0.36% |
| Nov 2025 | 58.3% | 16.7% | 12.9% | 6.9% | 3.2% | 1.8% | 0.27% |
| Dec 2025 | 60.3% | 19.2% | 9.1% | 6.3% | 3.4% | 1.5% | 0.21% |
| Jan 2026 | 62.5% | 17.6% | 5.3% | 9.7% | 3.5% | 1.3% | 0.18% |
| Feb 2026 | 56.1% | 16.3% | 10.4% | 12.5% | 3.1% | 1.4% | 0.2% |
| Mar 2026 | 59.9% | 20.1% | 7.4% | 7.5% | 2.7% | 1.8% | 0.51% |
| Apr 2026 | 63% | 20.8% | 3.5% | 6.6% | 4.3% | 1.5% | 0.29% |
| May 2026 | 62% | 22.7% | 3.4% | 6.4% | 3.4% | 1.9% | 0.14% |
| Jun 2026 | 67.1% | 19.4% | 3% | 5.7% | 3% | 1.6% | 0.13% |
| Jul 2026 | 69% | 19.2% | 2.4% | 4.6% | 3% | 1.6% | 0.12% |
| Aug 2026 | 62.2% | 22.7% | 4% | 6.1% | 3.3% | 1.8% | 0.07% |
| Sep 2026 | 64% | 21.8% | 5.2% | 4.3% | 2.8% | 1.9% | 0.06% |
How has the Debut and Payap comparison changed over the last 12 months?
3 findings
- Payap was ahead of Debut in every measured month of the 12 months ending September 2026.
- Across the 12 months ending September 2026, Debut’s share of searches among neo-banks and everyday money apps in New Zealand moved from 0.36% to 0.06%, and its estimated monthly branded searches moved from 50 to 10.
- Across the 12 months ending September 2026, Payap’s share of searches among neo-banks and everyday money apps in New Zealand moved from 11.6% to 5.2%, and its estimated monthly branded searches moved from 1.6K to 880.
How did search popularity change for New Zealand neo-banks and everyday money apps in September 2026?
2 changes
In September 2026, Payap overtook Dosh to rank 3rd among neo-banks and everyday money apps in New Zealand, with 5.2% of the searches.
Estimated monthly branded searches for Debut in New Zealand fell 80% over 12 measured months, from 50 to 10 in September 2026.
How are branded searches counted?
2 search terms
Brandwave collects information about searches that people make online using Debut’s and Payap’s names. When viewed over time, estimated search volumes for these branded terms can be used to understand whether interest in the brands is growing, holding steady, or fading.
Other head-to-heads among neo-banks and everyday money apps
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