We created this review methodology to ensure every digital bank we assess is judged fairly, consistently, and transparently.

This page explains the exact process our reviews follow, so you understand how we arrive at our ratings, comparisons, and recommendations.

We test each digital bank app manually, creating accounts where possible and exploring real features like transfers, budgeting, statements, and savings tools.

This ensures our reviews reflect real-world usability — not just marketing claims.

We break down all costs including overdrafts, card fees, ATM charges, international fees, and less obvious terms that can affect users.

Banks that communicate fees clearly or avoid hidden charges score more highly.

We review each bank’s regulatory status, FSCS protection, safeguarding processes, fraud prevention tools, and app security.

Safety is one of the most important elements of any digital bank review.

We analyse independent customer ratings alongside real support experiences where possible.

This helps create a fair picture of how the bank performs for everyday users.

All banks are compared under the same structured framework to avoid bias.

This allows us to highlight differences objectively, whether a bank excels at budgeting, savings, overseas spending, or business accounts.

Bank features change often — especially savings rates, fees, and app tools.

We frequently revisit and update reviews to maintain accuracy and trustworthiness.