Methodology

How we research.

A repeatable process for evaluating benefits, costs, terms and limitations.

Primary sources first

We begin with official product documentation, fee schedules, help centres and published terms. Secondary sources may provide context but do not replace primary evidence for material claims.

Comparable criteria

Platforms are assessed against criteria that fit the category: product purpose, custody, access, complete costs, reward conditions, limitations and principal risks. We do not force unlike products into one universal score.

Ongoing verification

Material fees, rewards and promotions carry verification dates. Fast-moving terms can still change between reviews, so readers should confirm the provider's current documentation before acting.

No paid rankings

Commercial relationships do not buy a position, rating or favourable conclusion. Priority coverage reflects editorial usefulness and the maturity of our research, not compensation.