Reviews
How we review and score
The scoring
Each product gets a score out of 10 for five criteria. The overall score is a weighted average, so the things that matter most to your money count most.
Investing apps and platforms
| Criterion | Weight | What we look at |
|---|---|---|
| Fees | 35% | Account fees, dealing charges, currency fees and costs for small, regular investors |
| Investment choice | 20% | Shares, ETFs and funds available, and account types such as ISAs and SIPPs |
| Ease of use | 20% | How easy it is for a beginner to open an account and invest regularly |
| Features | 15% | Regular investing, fractional shares, interest on cash, research tools |
| Protection and trust | 10% | FCA regulation, FSCS protection, ownership, and any high-risk products in the same app |
Cashback sites
| Criterion | Weight | What we look at |
|---|---|---|
| Cashback rates | 35% | Rates compared across the same retailers |
| Ease of use | 20% | Website, app and browser tools |
| Payouts and bonuses | 20% | Withdrawal options, minimums, fees and gift card bonuses |
| Retailer range | 15% | How many retailers and which big names are included |
| Customer service | 10% | Independent customer ratings and how missing cashback claims are handled |
Where the facts come from
Fees, rates and features come from each provider's own website and independent comparisons, which we link to in each review. Every review shows the month the figures were last checked. Providers change prices often, so always check the current figures before you sign up.
Money and independence
Some links on this site may be affiliate links, which pay a commission if you sign up, at no cost to you. A commission never changes a score, and providers cannot pay to be reviewed or to see a review before it is published. Pages with affiliate links say so at the top. Read more in the disclaimer.
Reviews are general information, not personal financial advice. When you invest, your capital is at risk.