Halifax vs Monzo:Which is more popular?
In September 2026, Monzo had more branded searches than Halifax among personal loan lenders in the United Kingdom. Monzo had about 5,880 branded searches, while Halifax had 5,120. Monzo made up 1.7% of all personal loan lender searches we track, and Halifax accounted for 1.5%. When we asked ChatGPT and Google AI Overviews about personal loan lenders, neither Halifax nor Monzo appeared in any of the five answers.
Who do people search for more?
Monzo, about 15% more searches than Halifax
Who does AI mention more?
Both were mentioned in 0 of 5 answers.
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Top personal loan lenders in ChatGPT and Google AI Overviews
In three ChatGPT questions and two Google AI Overviews, neither Halifax nor Monzo showed up in any of the five answers.
Most recommended by AI
Brands get a higher ranking if they are mentioned earlier in the answers.
M&S Bank1st
First Direct2nd
Nationwide3rd
Santander4th
Tesco Bank5th
HSBC6th
Sainsbury's Bank7th
Lloyds Bank8th- +5 more
- Monzo–
Halifax–
Mentioned by AI
Each dot is one answer, filled in when that answer mentions the brand.
- M&S Bank3 of 5Named in 1 of 3 ChatGPT answersNamed in 2 of 2 Google answers
- Santander3 of 5Named in 2 of 3 ChatGPT answersNamed in 1 of 2 Google answers
- First Direct3 of 5Named in 2 of 3 ChatGPT answersNamed in 1 of 2 Google answers
- Tesco Bank2 of 5Named in 1 of 3 ChatGPT answersNamed in 1 of 2 Google answers
- Nationwide2 of 5Named in 1 of 3 ChatGPT answersNamed in 1 of 2 Google answers
Zopa1 of 5Named in 0 of 3 ChatGPT answersNamed in 1 of 2 Google answers- HSBC1 of 5Named in 0 of 3 ChatGPT answersNamed in 1 of 2 Google answers
- Lloyds Bank1 of 5Named in 0 of 3 ChatGPT answersNamed in 1 of 2 Google answers
- Monzo0 of 5Named in 0 of 3 ChatGPT answersNamed in 0 of 2 Google answers
- Halifax0 of 5Named in 0 of 3 ChatGPT answersNamed in 0 of 2 Google answers
See every answer about personal loan lenders
5 answers
Asked ChatGPT
“Where can I get the best personal loan in the UK?”
Asked ChatGPT
“Which UK lenders have the lowest rates on a £10,000 loan?”
Asked ChatGPT
“What's the best way to borrow money for a car or home improvements in the UK?”
Searched Google, AI Overview
“personal loan”
Searched Google, AI Overview
“best personal loans”
Brands are shown in the order each answer named them. The survey took place in United Kingdom on October 27, 2026.
Is Halifax or Monzo more popular in search?
This chart shows how often people search Google for Halifax and Monzo by name. Each line represents a brand's share of searches for all 15 personal loan lenders we track, month by month, from searches in United Kingdom.
Share of searches by month for Monzo, Halifax. The figures are in the table below the chart.
View monthly share of searches table
| Month | Tesco Bank | Novuna | M&S Bank | Nationwide | Admiral | Zopa | Santander | Barclays | HSBC | NatWest | Lloyds Bank | Sainsbury's Bank | Monzo | First Direct | Halifax |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Oct 2025 | 34.4% | 14.6% | 6.5% | 5.7% | 4.8% | 3.2% | 5.4% | 3.8% | 4.1% | 4.3% | 2.2% | 5.1% | 2.2% | 1.1% | 2.5% |
| Nov 2025 | 32.9% | 16.6% | 6.6% | 5.2% | 5.4% | 3.6% | 5.1% | 4.1% | 4.5% | 4.8% | 2.1% | 3.7% | 2.1% | 1% | 2.3% |
| Dec 2025 | 34.6% | 16.7% | 6.8% | 4.8% | 5.8% | 3.9% | 4.6% | 3.8% | 4.2% | 4.3% | 2.2% | 2.7% | 2.2% | 1.1% | 2.2% |
| Jan 2026 | 30.8% | 17.5% | 7.5% | 6% | 6.1% | 3.4% | 4.9% | 3.9% | 4.4% | 4.6% | 2.3% | 2.9% | 1.9% | 1.2% | 2.7% |
| Feb 2026 | 34.3% | 16% | 6.7% | 5.5% | 5.6% | 3.7% | 5.3% | 3.7% | 4% | 4.2% | 2.2% | 3.2% | 2.1% | 1.1% | 2.4% |
| Mar 2026 | 33% | 18.6% | 6.5% | 5.3% | 5.4% | 3.6% | 5.1% | 3.4% | 3.9% | 4.9% | 2.1% | 3.1% | 1.7% | 1.3% | 2.3% |
| Apr 2026 | 33.4% | 17.9% | 8.1% | 5.4% | 5.5% | 3.7% | 4.4% | 3.5% | 4% | 4.1% | 2.1% | 2.7% | 1.7% | 1.1% | 2.4% |
| May 2026 | 33.6% | 16.1% | 8.8% | 5.6% | 5.7% | 3.8% | 4.5% | 3.6% | 3.9% | 4.2% | 2.1% | 2.7% | 1.8% | 1.1% | 2.5% |
| Jun 2026 | 30.6% | 16.6% | 9.4% | 4.9% | 6.1% | 4.9% | 4.7% | 3.8% | 4.4% | 4.5% | 2.4% | 2.3% | 1.9% | 1.2% | 2.2% |
| Jul 2026 | 34.1% | 15.8% | 8.8% | 5.4% | 5.8% | 4.7% | 4.6% | 3.6% | 3.4% | 4.3% | 2.2% | 2.1% | 1.8% | 1.3% | 2.1% |
| Aug 2026 | 31.3% | 21.4% | 8.2% | 5.2% | 5.3% | 5.2% | 4.1% | 3.3% | 3.6% | 3.3% | 2.1% | 2% | 1.7% | 1.4% | 1.8% |
| Sep 2026 | 31.9% | 18.5% | 10.2% | 5.5% | 5.4% | 5.3% | 4.2% | 3.4% | 3.4% | 3.3% | 2.1% | 2.1% | 1.7% | 1.5% | 1.5% |
Monzo sells other things too, so only its searches that name this product count here, like “monzo loan”.
How has the Halifax and Monzo comparison changed over the last 12 months?
3 findings
- The lead changed hands 3 times in the 12 months ending September 2026: Monzo took it in December 2025, Halifax took it in January 2026, Monzo took it in September 2026.
- Across the 12 months ending September 2026, Halifax’s share of searches among personal loan lenders in the United Kingdom moved from 2.5% to 1.5%, and its estimated monthly branded searches moved from 8.2K to 5.1K.
- Across the 12 months ending September 2026, Monzo’s share of searches among personal loan lenders in the United Kingdom moved from 2.2% to 1.7%, and its estimated monthly branded searches moved from 7.1K to 5.9K.
How did search popularity change for United Kingdom personal loan lenders in September 2026?
2 changes
Halifax’s share of searches among personal loan lenders in the United Kingdom has lost ground for 3 months in a row, from 2.2% to 1.5% in September 2026.
In September 2026, Monzo rose from 14th to 13th among personal loan lenders in the United Kingdom.
How are branded searches counted?
4 search terms
Brandwave collects information about searches that people make online using Halifax’s and Monzo’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 personal loan lenders
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