By AI agents described on the record, weighted by stage, the banks leading in agentic AI are Amex, Commonwealth Bank, Deutsche Bank (U.S.), Axos Bank and Barclays: Amex (5 in production of 12; ACE developer kit (in production) · Agent Purchase Protection (in production) · Graphite…); Commonwealth Bank (7 in production of 9; Agentic fraud-pattern detection and rule generation (in production) · Virtual messaging…); Deutsche Bank (U.S.) (5 in production of 7; Agentic-AI risk factor and AI control framework (in production) · Agent and trustee…); Axos Bank (5 in production of 7; AI-assisted software development (in production) · OutSystems Agent Workbench agents (in…); Barclays (5 in production of 7; Microsoft 365 Copilot and colleague agents (in production) · GenAI contact-centre call…). 76 of the 140 profiled banks describe at least one agent in production; 100 have an agent use case or a dated agent move of any stage.
Data as of Oct 6, 2026 · 140 banks profiled (120 US, 20 non-US) · 100 with evidence on this topic · 86 sources cited below · ranked answer, not a comparison
Which banks have AI agents in production, piloting or announced?
The 30 highest of 100 banks whose page describes an agent, agentic system or multi-agent platform, or dates an agent move. Agent use cases show their stage; the platform column says whether the bank's named platform is described as agentic.
| # | Bank | Agent use cases (stage) | Agentic platform | Latest agent move | In production / score | Status | Date | Sources |
|---|---|---|---|---|---|---|---|---|
| 1 | Amex | ACE developer kit (in production) · Agent Purchase Protection (in production) · Graphite card agentic search and checkout (in production) | Agentic Commerce Experiences (ACE) and Amex Agent Purchase Protection | Intent Intelligence framework published (Oct 13, 2026) | 5 in production of 12 · score 28 | In production | Oct 13, 2026 | American Express via FT Markets ↗ · American Banker ↗ · American Express via FT Markets ↗ |
| 2 | Commonwealth Bank | Agentic fraud-pattern detection and rule generation (in production) · Virtual messaging and AI orchestration agent (in production) · AI-powered engineering (in production) | AI Factory, Customer Engagement Engine and CommBank Companion (not described as agentic) | Orchestration agent to extend beyond retail (Jul 10, 2026) | 7 in production of 9 · score 27 | In production | Sep 18, 2026 | Commonwealth Bank of Australia ↗ · Finextra ↗ · Commonwealth Bank of Australia ↗ |
| 3 | Deutsche Bank (U.S.) | Agentic-AI risk factor and AI control framework (in production) · Agent and trustee services for AI infrastructure (in production) · TPRM AI agents for vendor-risk evidence (in production) | Group AI programme (2025–2028 targets) and the Corporate Bank credit process | Agentic Source of Wealth KYC tool live in Singapore and Hong Kong (Sep 23, 2026) | 5 in production of 7 · score 23 | In production | Oct 14, 2026 | Deutsche Bank AG (SEC filings) ↗ · Deutsche Bank Corporate Bank ↗ · Deutsche Bank ↗ |
| 4 | Axos Bank | AI-assisted software development (in production) · OutSystems Agent Workbench agents (in production) · AI risk-factor disclosure (in production) | Enterprise AI programme, OutSystems Agent Workbench and Arc | Fiscal 2026 10-K lists AI development and use as a risk factor (Aug 20, 2026) | 5 in production of 7 · score 23 | In production | Aug 20, 2026 | The Motley Fool (Yahoo Finance) ↗ · Yahoo Finance ↗ · OutSystems (Business Wire) ↗ |
| 5 | Barclays | Microsoft 365 Copilot and colleague agents (in production) · GenAI contact-centre call summaries (US Consumer Bank) (in production) · Agentic AI attack-surface risk (in production) | Group AI stack: Microsoft 365 Copilot, Claude and BARXBot | Co-COO on model choice and agentic AI (Oct 1, 2026) | 5 in production of 7 · score 23 | In production | Oct 1, 2026 | Microsoft ↗ · Yahoo Finance (Quartr) ↗ · Barclays ↗ |
| 6 | NatWest | Fraud Triage Agent in Cora (in production) · AI agents for onboarding, mandates and operations (in production) · AI coding assistants and agentic software development (in production) | Cora and the internal GenAI stack | Voice-to-voice Spending Insights trial and Fraud Triage Agent (Sep 25, 2026) | 4 in production of 9 · score 23 | In production | Sep 25, 2026 | NatWest Group ↗ · NatWest Group plc (via FT Markets) ↗ · NatWest Group plc ↗ |
| 7 | Citi | Stylus Workspaces and engineering agents (in production) · Google Cloud, DeepMind and Cognition partnerships (in production) · AI risk factor and board oversight (in production) | Citi Stylus Workspaces (not described as agentic) | Citi Ventures details its AI investment thesis (Sep 28, 2026) | 5 in production of 7 · score 21 | In production | Sep 28, 2026 | Citigroup ↗ · Citigroup (PR Newswire) ↗ · Citigroup ↗ |
| 8 | Capital One | Chat Concierge (in production) · Brex agentic payments (in production) · MACAW fraud-call summaries (in production) | Chat Concierge and the in-house agent stack | Natarajan: cutting latency and token costs with smaller, open-weight models (Sep 29, 2026) | 5 in production of 5 · score 21 | In production | Sep 29, 2026 | Capital One ↗ · American Banker ↗ · VentureBeat (sponsored by Capital One) ↗ |
| 9 | TD | AI risk management under the model lifecycle (in production) · Agent observability and guardrails (in production) · Collections AI agent (in production) | Layer 6 and TD AI Prism | Agentic AI extended to mortgage funding and discharge (Oct 13, 2026) | 4 in production of 7 · score 21 | In production | Oct 13, 2026 | TD Bank Group (SEC filing) ↗ · American Banker ↗ · Investing.com ↗ |
| 10 | Customers Bank | Employee-built agents and custom models on OpenAI (in production) · OpenAI, Microsoft and ElevenLabs relationships (in production) · cubiX MCP server and agentic-payment interface (in production) | OpenAI strategic collaboration, AI Innovation Lab and cubiX payments network | Q2 2026 call: underwriting, KYC and close-cycle results (Jul 24, 2026) | 4 in production of 6 · score 20 | In production | Jul 24, 2026 | American Banker ↗ · Customers Bank (Business Wire) ↗ · The Motley Fool via Yahoo Finance ↗ |
| 11 | DBS | DBS Joy (corporate and SME assistant) (in production) · CodeBuddy and engineering AI (in production) · PURE framework, Responsible AI Committee and model registry (in production) | ADA, DBS-GPT and the agent control plane | DBS and Stripe partner on agentic commerce (Aug 27, 2026) | 3 in production of 8 · score 20 | In production | Oct 5, 2026 | DBS Group Holdings ↗ · DBS Group Holdings ↗ · DBS Group Holdings ↗ |
| 12 | OCBC | Source of Wealth Assistant (agentic) (in production) · Agentic code assistance for engineers (in production) · Contact-centre AI: call summaries and Gen AI call review (in production) | OCBC GPT, HELIOS and OCBC WoW | MAS issues final AI Risk Management Guidelines (Oct 7, 2026) | 4 in production of 5 · score 19 | In production | Oct 7, 2026 | Oversea-Chinese Banking Corporation (via HKMA Banking Disclosure Repository) ↗ · Oversea-Chinese Banking Corporation ↗ · The Business Times ↗ |
| 13 | BBVA | ChatGPT Enterprise for all employees (in production) · AI Banker, AutoPF and contact-centre copilots (in production) · Agent-assisted software development (in production) | ChatGPT Enterprise, BBVA Assistants and The Eight | First European bank to join the Poppy agent protocol (Oct 13, 2026) | 3 in production of 7 · score 19 | In production | Oct 13, 2026 | OpenAI ↗ · OpenAI ↗ · BBVA ↗ |
| 14 | U.S. Bank | Agentic software layer (in production) · GenAI code-review assistant and coding agents (in production) · GenAI assistant for contact-centre agents (in production) | In-house tools from the AI Center of Excellence (not described as agentic) | The six-action playbook (Sep 2, 2026) | 4 in production of 6 · score 18 | In production | Sep 2, 2026 | American Banker ↗ · U.S. Bank ↗ · American Banker ↗ |
| 15 | Huntington | Agentic process automation (in production) · Enterprise-wide AI program (in production) · Servicing and exceptions-handling agents (in production) | Agentic process transformation, run from finance | Vakharia on AI in bank marketing (Sep 25, 2026) | 4 in production of 4 · score 18 | In production | Sep 25, 2026 | Fortune ↗ · MarketBeat (Yahoo Finance) ↗ · American Banker ↗ |
| 16 | UBS Group AG | Employee-built AI agents and AI Power Hour (in production) · Advisor agents and STAAT Insights (US wealth) (in production) · AI chatbots for mobile banking support (in production) | UBS Claves, Red and Microsoft 365 Copilot under the Chief AI Office | 2Q26: 560 live use cases, agents for every employee (Jul 29, 2026) | 4 in production of 4 · score 18 | In production | Jul 29, 2026 | UBS Group AG and UBS AG (Business Wire) ↗ · Reuters via Investing.com ↗ · UBS Group AG (SEC filing) ↗ |
| 17 | Deutsche Bank | TPRM AI for vendor-risk assessment (in production) · AI risk inside the control framework (in production) · dbLumina research agent for Deutsche Bank Research (in production) | dbLumina and the Technology, Data and Innovation AI platform on Google Cloud | Agentic Source of Wealth tool live in Singapore and Hong Kong (Sep 23, 2026) | 3 in production of 6 · score 18 | In production | Sep 23, 2026 | Deutsche Bank ↗ · Finextra ↗ · Deutsche Bank AG (SEC filings) ↗ |
| 18 | BMO Financial Group | Capital Markets agentic loan-analysis application (in production) · Rovr AI advisor assistant (in production) · Erqu and MORA in Capital Markets (in production) | BMO Institute for Applied AI & Quantum, Lumi and Aura | Aura: roughly 50% faster underwriting by fiscal 2028 (Aug 6, 2026) | 3 in production of 6 · score 18 | In production | Aug 6, 2026 | Bank of Montreal (SEC filing) ↗ · American Banker ↗ · BMO Financial Group (BMO AI Hub) ↗ |
| 19 | FNBO | Agentic alert triage and enhanced due diligence (in production) · Sanctions-screening agent (in production) · Pindrop Fraud Assist for card-fraud investigations (in production) | Nasdaq Verafin AI agents for financial-crime investigation | Agents run under human-equivalent access controls (Jun 24, 2026) | 4 in production of 4 · score 17 | In production | Jun 24, 2026 | American Banker ↗ · Pindrop (GlobeNewswire) ↗ |
| 20 | JPMorgan | LLM Suite and agentic workflows (in production) · AI in model risk management and the 10-K risk factor (in production) · Blocking outside AI agents that use customer credentials (in production) | LLM Suite (not described as agentic) | Q3 2026 call: outside AI agents stay blocked; AI spend put near $700 million (Oct 13, 2026) | 3 in production of 6 · score 16 | In production | Oct 13, 2026 | CNBC ↗ · American Banker ↗ · American Banker ↗ |
| 21 | Valley | Valley's AI Assistant and custom agents (in production) · Voice AI for auto-loan reminders and collections (in production) · AI knowledge assistants for customer care (in production) | Cloud-first infrastructure, Valley's AI Assistant and tiered access | Robbins on CNBC: AI agents not a threat to regional banks (Sep 29, 2026) | 3 in production of 4 · score 16 | In production | Sep 29, 2026 | American Banker ↗ · Valley National Bancorp (SEC filings) ↗ · MarketBeat via Yahoo Finance ↗ |
| 22 | Lloyds | Envoy agent platform and Agent Marketplace (in production) · Agentic fraud-support agents (in production) · AI ethics principles, Data and AI Ethics Committee and AI Assurance Framework (in production) | Envoy agent platform, Microsoft 365 E7 and the Group LLM platform | AI Adoption Plan for financial services published (Jul 14, 2026) | 3 in production of 4 · score 16 | In production | Jul 30, 2026 | Lloyds Banking Group ↗ · Lloyds Banking Group ↗ · Lloyds Banking Group ↗ |
| 23 | Citizens | Coding agents (in production) · Enterprise AI-chat agent (in production) · Engineers as supervisors of coding agents (rolling out) | CiZi and the cloud-native core | Coughlin: engineers now 30-40% more productive with AI (Sep 29, 2026) | 2 in production of 6 · score 16 | In production | Sep 29, 2026 | American Banker ↗ · American Banker ↗ · Citizens Financial Group (SEC filings) ↗ |
| 24 | HSBC | Servicing assistant in Corporate and Institutional Banking (in production) · Promenaut agent orchestration (in production) · Agentic commerce with Mastercard in Singapore (pilot) | HSBC Productivity Suite and the central AI platform | AI-agent micropayment test with Ant Digital (Oct 9, 2026) | 2 in production of 6 · score 16 | In production | Oct 9, 2026 | HSBC Holdings plc ↗ · HSBC Holdings plc ↗ · Finextra ↗ |
| 25 | BofA | EricaAssist and employee tools (in production) · AI risk factors and model governance (in production) · EricaAssist at the contact centre (in production) | Erica (and EricaAssist) | CTIO at Fortune AIQ Summit: Orchestra routes work to open-weight or proprietary models (Oct 1, 2026) | 3 in production of 3 · score 15 | In production | Oct 1, 2026 | Bank of America Newsroom ↗ · American Banker ↗ · Bank of America (SEC filings) ↗ |
| 26 | BNY | Eliza and employee-built agents (in production) · Payments digital employees (in production) · Contract Review Assistant (in production) | Eliza | Russell profile: usage up from about 20% to 99% trained in a year (Oct 1, 2026) | 3 in production of 3 · score 15 | In production | Oct 1, 2026 | BNY ↗ · CNBC ↗ · Microsoft WorkLab ↗ |
| 27 | Scotiabank | Scotia Navigator assistive AI platform (in production) · Scotia chat and LLM hand-off summaries (in production) · Knowledge agents (rolling out) | Scotia Intelligence and Scotia Navigator | Barclays conference: Ask AI at 18,000 staff, mortgage verification 70% faster (Sep 14, 2026) | 2 in production of 5 · score 15 | In production | Sep 14, 2026 | Scotiabank (CNW via Yahoo Finance) ↗ · Scotiabank (CNW via Yahoo Finance) ↗ · MIT Sloan Management Review ↗ |
| 28 | HSBC USA | Promenaut agentic workflow orchestration (in production) · Dynamic Risk Assessment (Google Cloud AML AI) (in production) · CIB servicing agents (in production) | The group AI programme: Google Cloud, Mistral and a central model platform (not described as agentic) | Ant Digital test: AI agents pay with HSBC tokenised deposits (Oct 9, 2026) | 3 in production of 4 · score 14 | In production | Oct 9, 2026 | Finextra ↗ · HSBC ↗ · HSBC ↗ |
| 29 | Fulton | AI call summarisation in the contact centre (in production) · Salesforce Agentforce agents for employees (in production) · NICE Expert knowledge base, Copilot auto summary and chat channel (in production) | none named | Contact-centre manager describes Fulton's AI journey with NICE (Sep 30, 2026) | 3 in production of 4 · score 14 | In production | Sep 30, 2026 | American Banker ↗ · Salesforce ↗ · NICE ↗ |
| 30 | State Street | Copilot platform for all eligible employees (in production) · Responsible AI Framework and employee training (in production) · AgenTeq platform and agent-enabled service delivery (rolling out) | State Street Alpha and the AI hiring build-out | Fogarty: agentic AI 'moved into production', driverless NAV live (Oct 1, 2026) | 2 in production of 4 · score 14 | In production | Oct 1, 2026 | Motley Fool (Yahoo Finance) ↗ · VentureBeat ↗ · State Street ↗ |
Each row quotes the bank's page on this site; the bank link opens the full record with every source. “Not disclosed” means the page records nothing on that point. Banks absent from the table have no evidence on this topic on their page.
Which banks have agents in production, and which are still piloting?
Banks grouped by the most advanced stage of their agent use cases, up to eight per stage, with the use cases at that stage.
| Stage | Bank | Agent use cases at this stage | Date |
|---|---|---|---|
| In production | Amex | ACE developer kit · Agent Purchase Protection · Graphite card agentic search and checkout | Apr 23, 2026 |
| In production | Commonwealth Bank | Agentic fraud-pattern detection and rule generation · Virtual messaging and AI orchestration agent · AI-powered engineering | Sep 18, 2026 |
| In production | Deutsche Bank (U.S.) | Agentic-AI risk factor and AI control framework · Agent and trustee services for AI infrastructure · TPRM AI agents for vendor-risk evidence | Oct 14, 2026 |
| In production | Axos Bank | AI-assisted software development · OutSystems Agent Workbench agents · AI risk-factor disclosure | Aug 20, 2026 |
| In production | Barclays | Microsoft 365 Copilot and colleague agents · GenAI contact-centre call summaries (US Consumer Bank) · Agentic AI attack-surface risk | Apr 20, 2026 |
| In production | NatWest | Fraud Triage Agent in Cora · AI agents for onboarding, mandates and operations · AI coding assistants and agentic software development | Sep 25, 2026 |
| In production | Citi | Stylus Workspaces and engineering agents · Google Cloud, DeepMind and Cognition partnerships · AI risk factor and board oversight | Sep 22, 2026 |
| In production | Capital One | Chat Concierge · Brex agentic payments · MACAW fraud-call summaries | Aug 13, 2026 |
| Rolling out | SouthState | Call-centre AI | Jul 24, 2026 |
| Rolling out | MUFG | Jinba general-purpose agent and AI 'employees' · AI agents and tools for corporate relationship managers | Sep 1, 2026 |
| Rolling out | ConnectOne | Custom commercial-lending agents (16 skills) · Digital agents and business intelligence in the loan platform | Jul 23, 2026 |
| Rolling out | BNP Paribas | Conversational income-and-expenditure assessment | Feb 18, 2026 |
| Rolling out | Fifth Third | Brex agentic commercial cards | Dec 10, 2025 |
| Rolling out | USAA | Watsonx Orchestrate agent for data-access requests | May 13, 2025 |
| Pilot | First Interstate | Agentic AI for commercial loan onboarding (Fiserv agentOS) · Model supply chain beneath Fiserv agentOS | May 14, 2026 |
| Pilot | Bread Financial | Agentic commerce and servicing with brand partners | Jul 23, 2026 |
| Pilot | Atlantic Union | Exploratory AI programme | Mar 25, 2026 |
| Pilot | Arvest | Agentic-AI security maturity assessment | May 5, 2026 |
| Announced | ServisFirst Bank | Covecta agentic AI · Covecta as a third-party vendor | Sep 10, 2026 |
| Announced | Société Générale | Anthropic Claude models, coding tools and agents | Sep 21, 2026 |
| Announced | Old National | Dispute and fraud-claim resolution (Quavo) | Jan 22, 2026 |
| Announced | Bank OZK | Co-developing AI agents on Fiserv agentOS · Agent catalogue available through agentOS | May 14, 2026 |
| Announced | Prosperity | Akuvo agentic virtual collector (vendor roadmap) | Sep 18, 2025 |
| Announced | WesBanco | Call-centre automation | Aug 27, 2026 |
| Announced | Busey Bank | Agent Assist and Manager AI tools | Sep 24, 2026 |
How is this ranking computed?
Score = 3 × agent use cases in production + 1 × agent use cases at any other stage + dated timeline moves mentioning agents (capped at 4) + 2 if the bank's named platform is described as agentic. An agent use case or move is one whose name, title or detail contains agent, agents, agentic, multi-agent or agent-based. Ties: agents in production, then assets.
Every use case and move is quoted from the bank's page with its source; the stage is the one the page records.
What are the caveats?
"Agent" is used loosely by banks and vendors: a scripted workflow, a coding assistant and an autonomous multi-step system are all called agents in releases. The table takes the bank's word and shows the use case name so the reader can judge. Contact-centre agents (people) are excluded where the text makes that clear, but a few rows may count 'services agents using generative AI' as agent use cases.
The agentic-banking section of this site covers the control-plane, lifecycle and regulatory questions this ranking does not.
How does this differ from the AI index?
The AI index does not distinguish agents from other AI; this page filters the same use cases and moves to those that describe agents and weights production three to one. The AI index and its method are on their own page; the technology leaders and generative AI guides are hand-written cross-bank tables with their own sourcing.
Which bank leads in agentic AI?
American Express: 5 in production of 12 agent use cases, including ACE developer kit (in production) · Agent Purchase Protection (in production) · Graphite card agentic search and checkout (in production).
How many banks have AI agents in production?
76 of the 140 profiled banks describe at least one agent use case with the status in production.
What do bank AI agents do?
The use cases in production on the bank pages are mostly internal: coding agents, document and operations agents, and agent layers inside employee assistants. Customer-facing agents are rarer; the generative-AI-with-customers page lists them.
Which banks have an agentic platform?
Banks whose named platform is described as agentic: Amex (Agentic Commerce Experiences (ACE) and Amex Agent Purchase Protection), Deutsche Bank (U.S.) (Group AI programme (2025–2028 targets) and the Corporate Bank credit process), Axos Bank (Enterprise AI programme, OutSystems Agent Workbench and Arc), Barclays (Group AI stack: Microsoft 365 Copilot, Claude and BARXBot), NatWest (Cora and the internal GenAI stack) and Capital One (Chat Concierge and the in-house agent stack).
Which banks are piloting rather than running agents?
Banks whose most advanced agent use case is a pilot include First Interstate, Bread Financial, Atlantic Union and Arvest.
Where are the rules for bank AI agents?
The agentic-banking section covers the control plane, the agent lifecycle and the regulation that applies; the AI regulation tracker lists the documents.
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