AI incidents · computed from AI incidents register; nothing on this page is written by a model. All ranked answers: /banks/leaders
On the public record as of Oct 24, 2026, 25 of the 141 large banks profiled appear in at least one dated record of the AI incidents register. Ranked by register records, the top 5 are JPMorgan (5 records), BofA (5 records), Wells Fargo (5 records), Citi (3 records) and Schwab (3 records). JPMorgan's strongest evidence: Unvetted AI agents found in US bank customer accounts; Morgan Stanley, JPMorgan, Citi and BofA restrict them (reported, Oct 1, 2026).
141 banks profiled (120 US, 21 non-US) · 25 with matching evidence · ranked answer, not a comparison
Which of the large banks have had publicly reported AI incidents?
| # | Bank | Register records | Latest record | Status | Date | On this site | Sources |
|---|---|---|---|---|---|---|---|
| 1 | JPMorgan | 5 | Unvetted AI agents found in US bank customer accounts; Morgan Stanley, JPMorgan, Citi and BofA restrict them (reported, Oct 1, 2026) | Reported · severity 2/5 | Oct 22, 2026 | JPMorgan · AI incidents → | Axios ↗ · U.S. District Court, D. Mass. (via Massachusetts Lawyers Weekly) ↗ |
| 2 | BofA | 5 | Unvetted AI agents found in US bank customer accounts; Morgan Stanley, JPMorgan, Citi and BofA restrict them (reported, Oct 1, 2026) | Reported · severity 2/5 | Oct 22, 2026 | BofA · AI incidents → | Axios ↗ · ABC7 News (KGO-TV) ↗ |
| 3 | Wells Fargo | 5 | Unvetted AI agents found in US bank customer accounts; Morgan Stanley, JPMorgan, Citi and BofA restrict them (reported, Oct 1, 2026) | Reported · severity 2/5 | Oct 22, 2026 | Wells Fargo · AI incidents → | Axios ↗ · VICE (Motherboard) ↗ |
| 4 | Citi | 3 | Unvetted AI agents found in US bank customer accounts; Morgan Stanley, JPMorgan, Citi and BofA restrict them (reported, Oct 1, 2026) | Reported · severity 2/5 | Oct 22, 2026 | Citi · AI incidents → | Axios ↗ · Financial Conduct Authority (Final Notice) ↗ |
| 5 | Schwab | 3 | Unvetted AI agents found in US bank customer accounts; Morgan Stanley, JPMorgan, Citi and BofA restrict them (reported, Oct 1, 2026) | Reported · severity 2/5 | Oct 22, 2026 | Schwab · AI incidents → | Axios ↗ · CourtListener (U.S. District Court, S.D. Cal. docket) ↗ |
| 6 | Commonwealth Bank | 3 | Commonwealth Bank refers about A$1bn of suspect home loans, some reportedly AI-forged, to police (reported, Feb 26, 2026) | Reported · severity 3/5 | Feb 26, 2026 | Commonwealth Bank · AI incidents → | Australian Financial Review ↗ · ABC News ↗ |
| 7 | Lloyds | 3 | Lloyds refunds estate of 82-year-old customer lured by an AI Farage deepfake investment scam (confirmed by the institution, May 1, 2026) | Confirmed by the institution · severity 2/5 | Sep 25, 2026 | Lloyds · AI incidents → | News & Star ↗ · BBC News ↗ |
| 8 | TD Bank Group | 2 | TD customer, 88, loses C$450,000 to a scam that began with a Mark Carney deepfake; bank won't reimburse him (reported, May 1, 2025) | Reported · severity 3/5 | Oct 19, 2026 | TD Bank Group · AI incidents → | CBC News (Go Public) ↗ · U.S. Department of Justice ↗ |
| 9 | TD | 2 | TD Bank pleads guilty after excluding 92% of US transaction volume from its automated AML monitoring (settled, Oct 10, 2024) | Settled · severity 5/5 | Oct 10, 2024 | TD · AI incidents → | U.S. Department of Justice ↗ · CourtListener (U.S. District Court, S.D. Cal. docket) ↗ |
| 10 | Barclays | 2 | AI-generated 'Monzo Slots' and 'Barclays Slots' casino ads impersonate UK banks on social media (confirmed by the institution, Jun 3, 2026) | Confirmed by the institution · severity 1/5 | Jun 3, 2026 | Barclays · AI incidents → | Cybernews ↗ · High Court of England and Wales (The National Archives, Find Case Law) ↗ |
| 11 | ING | 2 | Dutch human-rights institute finds ING's automated payment screening discriminated over non-Dutch names (regulator finding, Jul 25, 2024) | Regulator finding · severity 3/5 | Jul 25, 2024 | ING · AI incidents → | College voor de Rechten van de Mens (Netherlands Institute for Human Rights) ↗ · ING ↗ |
| 12 | NatWest | 2 | Deepfake image of NatWest CEO Paul Thwaite spread on X as scam bait (confirmed by the institution, Jul 3, 2026) | Confirmed by the institution · severity 1/5 | Jul 3, 2026 | NatWest · AI incidents → | City AM ↗ · Financial Ombudsman Service ↗ |
| 13 | Banco Santander | 2 | Deepfake ads clone Santander chair Ana Botín's voice to push fake investment platforms (reported, Jul 1, 2025) | Reported · severity 1/5 | Jul 31, 2025 | Banco Santander · AI incidents → | Maldita.es ↗ · BBC News ↗ |
| 14 | Capital One | 2 | Capital One caller sued Amazon Web Services over Amazon Connect voiceprints and call recording (court filing, Mar 31, 2023) | Court filing · severity 1/5 | Mar 31, 2023 | Capital One · AI incidents → | U.S. District Court, W.D. Wash. (via CourtListener RECAP) ↗ · CourtListener (U.S. District Court, S.D. Cal. docket) ↗ |
| 15 | SoFi | 1 | FINRA fines SoFi $1.1m after fraudsters beat its largely automated account-opening checks (settled, May 2, 2024) | Settled · severity 3/5 | May 2, 2024 | SoFi · AI incidents → | FINRA ↗ |
| 16 | Webster | 1 | Breach at ML fraud-analytics vendor Guardian Analytics exposes Webster Bank customers' data (settled, Nov 27, 2022) | Settled · severity 3/5 | Apr 18, 2023 | Webster · AI incidents → | Connecticut Office of the Attorney General ↗ |
| 17 | U.S. Bank | 1 | U.S. Bank customers sue Pegasystems alleging its Voice AI secretly analysed their customer-service calls (court filing, Oct 2, 2026) | Court filing · severity 2/5 | Oct 2, 2026 | U.S. Bank · AI incidents → | CourtListener (U.S. District Court, D. Mass. docket) ↗ |
| 18 | Morgan Stanley | 1 | Unvetted AI agents found in US bank customer accounts; Morgan Stanley, JPMorgan, Citi and BofA restrict them (reported, Oct 1, 2026) | Reported · severity 2/5 | Oct 22, 2026 | Morgan Stanley · AI incidents → | Axios ↗ |
| 19 | Deutsche Bank (U.S.) | 1 | D.C. Court of Appeals strikes Deutsche Bank National Trust brief citing four AI-invented cases (court filing, Jun 22, 2026) | Court filing · severity 2/5 | Sep 3, 2026 | Deutsche Bank (U.S.) · AI incidents → | District of Columbia Court of Appeals ↗ |
| 20 | HSBC | 1 | Deepfake Zoom call leads a Singapore finance director to wire US$499,000 from an HSBC account; funds recovered (resolved, Mar 26, 2025) | Resolved · severity 2/5 | Apr 7, 2025 | HSBC · AI incidents → | The Straits Times ↗ |
| 21 | Hilltop | 1 | PlainsCapital Bank customer sues after an alleged AI voice clone redirected a $20,000 transfer (court filing, Nov 5, 2024) | Court filing · severity 2/5 | Dec 11, 2024 | Hilltop · AI incidents → | FOX 26 Houston ↗ |
| 22 | Standard Chartered | 1 | Standard Chartered warns Thai investors of fake ads using AI to impersonate its executives (confirmed by the institution, Feb 24, 2026) | Confirmed by the institution · severity 1/5 | Feb 24, 2026 | Standard Chartered · AI incidents → | Standard Chartered Thailand ↗ |
| 23 | BMO Financial Group | 1 | Instagram ads use AI deepfakes of BMO strategist Brian Belski to lure investors (reported, Jun 17, 2025) | Reported · severity 1/5 | Jun 17, 2025 | BMO Financial Group · AI incidents → | BleepingComputer ↗ |
| 24 | DBS | 1 | DBS warns deepfake videos of its leaders and staff are pushing investment scams (confirmed by the institution, May 20, 2025) | Confirmed by the institution · severity 1/5 | May 20, 2025 | DBS · AI incidents → | DBS Bank ↗ |
| 25 | Goldman | 1 | Deepfakes of Goldman strategists David Kostin and Abby Joseph Cohen used in Instagram stock-tip scams (confirmed by the institution, Apr 1, 2025) | Confirmed by the institution · severity 1/5 | Apr 24, 2025 | Goldman · AI incidents → | Fortune ↗ |
Each row quotes one record from AI incidents register; 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 incidents at banks register (/ai-incidents): dated, sourced records of AI failures, AI used against banks and governance findings, each with a status and severity.
Rule: Every register record naming the bank (its own AI, AI used against it or its customers, or a governance finding). Score = records; ties by the highest severity, then the newest record.
Counts: 25 of 141 profiled banks qualify; 31 distinct sources cited in the table. Data checked 2026-10-24; ranking template updated 2026-10-30.
What are the caveats?
A record is a publicly reported event with the status the sources support (reported, bank-confirmed, regulator finding, court filing, settled, resolved or disputed); it is not a finding of fault. Banks absent from the table have no record in the register, which is not evidence that nothing happened.
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?
JPMorgan Chase leads with 5 records: Unvetted AI agents found in US bank customer accounts; Morgan Stanley, JPMorgan, Citi and BofA restrict them (reported, Oct 1, 2026). BofA is second with 5.
How many large banks have publicly reported AI incidents?
25 of the 141 profiled banks (120 US, 21 non-US groups). Among those listed, 14 are US banks and 11 non-US groups.
What counts, and what does not?
Every register record naming the bank (its own AI, AI used against it or its customers, or a governance finding). Score = records; ties by the highest severity, then the newest record. Source: the AI incidents at banks register (/ai-incidents): dated, sourced records of AI failures, AI used against banks and governance findings, each with a status and severity.
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 2026-10-24 (AI incidents register). The page recomputes whenever that dataset changes and is republished with the site; it is never edited by hand.
When any of these banks moves on AI, you'll read it the next morning.
when one of the banks we cover moves on AI, it is in the next morning's brief · six sourced stories · 7 am PT · free
plus every regulation, bank and agent page update, the morning after · leave any morning