AI agents · computed from bank profiles via the agent tracker; nothing on this page is written by a model. All ranked answers: /banks/leaders
On the public record as of Oct 28, 2026, 50 of the 141 large banks profiled record at least one AI-agent move described as in production. Ranked by agent moves, the top 5 are BNY (5 moves), Capital One (5 moves), Amex (5 moves), Axos Bank (4 moves) and NatWest (4 moves). BNY's strongest evidence: Russell profile: usage up from about 20% to 99% trained in a year (in production, Oct 1, 2026); 5 moves in all.
141 banks profiled (120 US, 21 non-US) · 50 with matching evidence · top 40 shown · ranked answer, not a comparison
Which of the large banks have AI agents in production?
| # | Bank | Agent moves | Latest move | Status | Date | On this site | Sources |
|---|---|---|---|---|---|---|---|
| 1 | BNY | 5 | Russell profile: usage up from about 20% to 99% trained in a year (in production, Oct 1, 2026); 5 moves in all | In production · 5 in production | Oct 1, 2026 | BNY · AI agents timeline → | American Banker ↗ · Anthropic ↗ |
| 2 | Capital One | 5 | Shetty: 'agentic AI now must be treated as an end-to-end system' (in production, Sep 28, 2026); 5 moves in all | In production · 5 in production | Sep 28, 2026 | Capital One · AI agents timeline → | CIO Dive ↗ · VentureBeat ↗ |
| 3 | Amex | 5 | Amex GBT's Egencia connector in Claude (in production, Aug 7, 2026); 5 moves in all | In production · 5 in production | Aug 7, 2026 | Amex · AI agents timeline → | American Banker ↗ · American Express (SEC filings) ↗ |
| 4 | Axos Bank | 4 | Fiscal 2026 10-K lists AI development and use as a risk factor (in production, Aug 20, 2026); 4 moves in all | In production · 4 in production | Aug 20, 2026 | Axos Bank · AI agents timeline → | SEC EDGAR ↗ · AI Business ↗ |
| 5 | NatWest | 4 | H1 2026: five agents live, first customer-facing GenAI in Bankline (in production, Jul 31, 2026); 4 moves in all | In production · 4 in production | Jul 31, 2026 | NatWest · AI agents timeline → | NatWest Group plc ↗ · NatWest Group plc (via FT Markets) ↗ |
| 6 | Customers Bank | 4 | Q2 2026 call: low-40s efficiency target for 2027 (in production, Jul 24, 2026); 4 moves in all | In production · 4 in production | Jul 24, 2026 | Customers Bank · AI agents timeline → | MarketBeat via Yahoo Finance ↗ · Customers Bancorp (SEC filings) ↗ |
| 7 | Lloyds | 4 | Agentic AI for real-time fraud protection (in production, Jun 8, 2026); 4 moves in all | In production · 4 in production | Jun 8, 2026 | Lloyds · AI agents timeline → | Lloyds Banking Group ↗ · Lloyds Banking Group ↗ |
| 8 | Citi | 4 | Citi Sky unveiled with Google Cloud and DeepMind (in production, Apr 22, 2026); 4 moves in all | In production · 4 in production | Apr 22, 2026 | Citi · AI agents timeline → | Citigroup (PR Newswire) ↗ · Citigroup (SEC filings) ↗ |
| 9 | Commonwealth Bank | 3 | Agentic fraud system deployed (in production, Apr 24, 2026); 3 moves in all | In production · 3 in production | Apr 24, 2026 | Commonwealth Bank profile → | Commonwealth Bank of Australia ↗ · The Register ↗ |
| 10 | OCBC | 3 | 2025 annual report: Next Frontier strategy and agentic source-of-wealth tool (in production, Mar 10, 2026); 3 moves in all | In production · 3 in production | Mar 10, 2026 | OCBC · AI agents timeline → | Oversea-Chinese Banking Corporation (via HKMA Banking Disclosure Repository) ↗ · The Straits Times ↗ |
| 11 | TD | 2 | US CIO on guardrails against 'rogue' agentic AI swarms (in production, Sep 22, 2026); 2 moves in all | In production · 2 in production | Sep 22, 2026 | TD · AI agents timeline → | American Banker ↗ · TD Bank Group ↗ |
| 12 | Deutsche Bank | 2 | Design partner for Google's Gemini Enterprise for Financial Services (in production, Aug 25, 2026); 2 moves in all | In production · 2 in production | Aug 25, 2026 | Deutsche Bank · AI agents timeline → | Google Cloud ↗ · Deutsche Bank AG (SEC filings) ↗ |
| 13 | DBS | 2 | Agentic credit-memo solution rolled out to about 1,500 bankers (in production, Aug 19, 2026); 2 moves in all | In production · 2 in production | Aug 19, 2026 | DBS · AI agents timeline → | DBS Group ↗ · DBS Group Holdings ↗ |
| 14 | UBS Group AG | 2 | 2Q26: 560 live use cases, agents for every employee (in production, Jul 29, 2026); 2 moves in all | In production · 2 in production | Jul 29, 2026 | UBS Group AG profile → | UBS Group AG and UBS AG (Business Wire) ↗ · Reuters via Investing.com ↗ |
| 15 | CIBC | 2 | Best Gen-AI Initiative, third year running (in production, Jul 28, 2026); 2 moves in all | In production · 2 in production | Jul 28, 2026 | CIBC profile → | CNW via FT Markets ↗ · CIBC ↗ |
| 16 | BofA | 2 | EricaAssist gets generative AI (in production, Jul 21, 2026); 2 moves in all | In production · 2 in production | Jul 21, 2026 | BofA profile → | Bank of America Newsroom ↗ · Bank of America (SEC filings) ↗ |
| 17 | SoFi | 2 | Engineering blog names Claude, Gitar.ai and Cequence (in production, Jul 6, 2026); 2 moves in all | In production · 2 in production | Jul 6, 2026 | SoFi profile → | SoFi (engineering blog) ↗ · SoFi Tech Solutions ↗ |
| 18 | BMO Financial Group | 2 | American Banker names Milchanowski among most innovative people in finance (in production, Jun 1, 2026); 2 moves in all | In production · 2 in production | Jun 1, 2026 | BMO Financial Group profile → | American Banker ↗ · Bank of Montreal (SEC filing) ↗ |
| 19 | JPMorgan | 2 | CIO: early AI tools lift productivity up to 30% (in production, May 19, 2026); 2 moves in all | In production · 2 in production | May 19, 2026 | JPMorgan · AI agents timeline → | Bloomberg ↗ · JPMorgan Chase & Co. (SEC filings) ↗ |
| 20 | Simmons Bank | 2 | Q1 10-Q repeats the agentic-AI risk factor (in production, May 6, 2026); 2 moves in all | In production · 2 in production | May 6, 2026 | Simmons Bank profile → | Simmons First National (SEC filings) ↗ · Simmons First National (SEC filings) ↗ |
| 21 | Synchrony | 2 | Proxy statement: Board Technology Committee covers agentic AI (in production, Apr 29, 2026); 2 moves in all | In production · 2 in production | Apr 29, 2026 | Synchrony · AI agents timeline → | Synchrony Financial (SEC filing) ↗ · Synchrony Financial (SEC filing) ↗ |
| 22 | Huntington | 2 | 50 agents in production, 60-plus in development (in production, Apr 24, 2026); 2 moves in all | In production · 2 in production | Apr 24, 2026 | Huntington profile → | Fortune ↗ |
| 23 | U.S. Bank | 2 | Innovation team launches AI and blockchain centres of excellence (in production, Jan 13, 2026); 2 moves in all | In production · 2 in production | Jan 13, 2026 | U.S. Bank profile → | American Banker ↗ · Mastercard ↗ |
| 24 | BancFirst | 2 | Webex customer post names BancFirst again (in production, Oct 20, 2025); 2 moves in all | In production · 2 in production | Oct 20, 2025 | BancFirst profile → | Cisco Webex (vendor customer post) ↗ · Cisco Webex (vendor blog) ↗ |
| 25 | Fulton | 1 | Salesforce cites Fulton's Agentforce rollout at Dreamforce (in production, Sep 24, 2026) | In production · 1 in production | Sep 24, 2026 | Fulton profile → | Salesforce ↗ |
| 26 | HSBC USA | 1 | Investment in Promenaut; agent orchestration goes live (in production, Sep 22, 2026) | In production · 1 in production | Sep 22, 2026 | HSBC USA · AI agents timeline → | Finextra ↗ |
| 27 | HSBC | 1 | Investment in Promenaut; agent orchestration goes live (in production, Sep 22, 2026) | In production · 1 in production | Sep 22, 2026 | HSBC · AI agents timeline → | Finextra ↗ |
| 28 | First Citizens | 1 | CB Insights joins SVB's partner network with its ChatCBI AI agent (in production, Sep 17, 2026) | In production · 1 in production | Sep 17, 2026 | First Citizens profile → | CB Insights (PR Newswire) ↗ |
| 29 | Goldman | 1 | Forbes: hundreds of agents work beside 12,000 engineers (in production, Aug 6, 2026) | In production · 1 in production | Aug 6, 2026 | Goldman profile → | Forbes ↗ |
| 30 | UBS (US) | 1 | Advisor agents described to Reuters (in production, Jul 13, 2026) | In production · 1 in production | Jul 13, 2026 | UBS (US) profile → | Reuters via Investing.com ↗ |
| 31 | Morgan Stanley | 1 | FIXR: agentic P&L reconciliation cuts the job in half (in production, Jun 30, 2026) | In production · 1 in production | Jun 30, 2026 | Morgan Stanley profile → | VentureBeat ↗ |
| 32 | Pinnacle | 1 | Head of AI scheduled at American Banker's Digital Banking conference (in production, Jun 17, 2026) | In production · 1 in production | Jun 17, 2026 | Pinnacle profile → | American Banker ↗ |
| 33 | Santander US | 1 | Getnet accepts AI-agent payments (in production, Jun 9, 2026) | In production · 1 in production | Jun 9, 2026 | Santander US profile → | PYMNTS ↗ |
| 34 | Webster | 1 | Santander's Getnet launches AI-agent payments (in production, Jun 9, 2026) | In production · 1 in production | Jun 9, 2026 | Webster profile → | Banco Santander ↗ |
| 35 | Scotiabank | 1 | Q2 2026 call: four principles of the AI approach (in production, May 27, 2026) | In production · 1 in production | May 27, 2026 | Scotiabank profile → | Yahoo Finance ↗ |
| 36 | Valley | 1 | CEO lists AI use cases already in production (in production, Apr 23, 2026) | In production · 1 in production | Apr 23, 2026 | Valley profile → | Valley National Bancorp (SEC filings) ↗ |
| 37 | Live Oak | 1 | Q1 2026 call: 300-plus employee-built agents (in production, Apr 23, 2026) | In production · 1 in production | Apr 23, 2026 | Live Oak profile → | Moby via Yahoo Finance ↗ |
| 38 | Fifth Third | 1 | Newline MCP server adds Skills (in production, Apr 13, 2026) | In production · 1 in production | Apr 13, 2026 | Fifth Third profile → | Fifth Third (Business Wire via Yahoo Finance) ↗ |
| 39 | Sallie Mae | 1 | Unit21 release names Sallie Mae as a customer (in production, Apr 3, 2026) | In production · 1 in production | Apr 3, 2026 | Sallie Mae profile → | Unit21 (Business Wire) ↗ |
| 40 | Deutsche Bank (U.S.) | 1 | 2025 Form 20-F includes an agentic-AI risk factor (in production, Mar 12, 2026) | In production · 1 in production | Mar 12, 2026 | Deutsche Bank (U.S.) · AI agents timeline → | Deutsche Bank AG (SEC filings) ↗ |
Each row quotes one record from bank profiles via the agent tracker; the “On this site” link opens the bank's own page or sub-page with every source. Banks absent from the table have nothing matching on the record this site holds.
How is this ranked?
Data: the AI agent announcements tracker (/ai-agents-in-banking/announcements): every dated timeline move on a bank profile whose text is about agents, with the stage the bank describes; 355 moves across 90 banks.
Rule: Launch moves whose stage is "in production" (from the matching use case on the profile, else the move's own wording). Score = production moves; ties by the newest move.
Counts: 50 of 141 profiled banks qualify; the table shows the top 40; 60 distinct sources cited in the table. Data checked 2026-10-28; ranking template updated 2026-10-30.
What are the caveats?
A move is what the bank or the press described on a dated record; "in production" is the bank's own stage word, not a verified deployment count.
Banks absent from the table have nothing matching on the record this site holds, which is not evidence that they do nothing. Each row links the bank's own page, where every entry carries its sources.
Which bank ranks first?
BNY (Bank of New York Mellon) leads with 5 moves: Russell profile: usage up from about 20% to 99% trained in a year (in production, Oct 1, 2026); 5 moves in all. Capital One is second with 5.
How many large banks have AI agents in production?
50 of the 141 profiled banks (120 US, 21 non-US groups); the table shows the top 40. Among those listed, 30 are US banks and 10 non-US groups.
What counts, and what does not?
Launch moves whose stage is "in production" (from the matching use case on the profile, else the move's own wording). Score = production moves; ties by the newest move. Source: the AI agent announcements tracker (/ai-agents-in-banking/announcements): every dated timeline move on a bank profile whose text is about agents, with the stage the bank describes; 355 moves across 90 banks.
Is this a measure of capability?
No. Every row is a sourced fact on the public record: what the bank, a regulator, a filing or an independent outlet has put on the record. The page does not rate how well anything works.
When was this checked, and how often does it update?
The data behind the table was last checked on 2026-10-28 (bank profiles via the agent tracker). The page recomputes whenever that dataset changes and is republished with the site; it is never edited by hand.
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