Convert recurring charges into an annual number.
YOUR BANKING COMPASS
Smarter Banking Decisions Start Here
Compare current accounts, savings, Cash ISAs, switching strategies and UK banks using durable money-first research.
Independent researchClear comparisonsUK banking focus
EXPLORE
COMPARE
CHOOSE
GO FURTHER
COMPARE
CHOOSE
GO FURTHER
MONEY-FIRST RESEARCH
MONEY MATH FOR BANKING DECISIONS
Use simple £ scenarios to test whether a rate, fee or offer is material.
Translate rate differences into pounds.
Apply percentage fees to realistic spending.
Separate a one-off bonus from recurring costs.
Illustrative calculations only. Live rates, fees, eligibility and terms must be verified before action.
EVERGREEN VALUE MAP
Where banking value usually comes from
Durable comparison routes that stay useful even when individual promotions disappear.
Current-account economics
Money test: monthly fee × 12, then subtract rewards you would realistically earn.
Check: overdraft pricing, card fees, cash access and account conditions.
Research current accounts →Savings yield
Money test: apply the rate to the same balance and time period across every option.
Check: bonus expiry, balance bands, access limits and funding rules.
Research savings →Cash ISA efficiency
Money test: compare the after-tax position of ordinary savings with ISA shelter.
Check: transfers, withdrawal flexibility, allowance rules and maturity terms.
Research Cash ISAs →Switching economics
Money test: any incentive minus annual fees and the cost of changing normal behaviour.
Check: eligibility, CASS requirements, pay-ins, Direct Debits and deadlines.
Research switching →Travel and payment fees
Money test: apply FX, ATM and card charges to a realistic trip or spending pattern.
Check: mark-ups, cash limits, weekend pricing and merchant conversion.
Open practical guides →Money-first research
Rates, fees and rewards are translated into comparable annual £ outcomes wherever that improves the decision.
Independent comparison
We start with fit, cost and conditions rather than whichever product happens to have the loudest promotion.
UK banking focus
Current accounts, savings, Cash ISAs, switching and major UK providers sit inside one consistent research framework.
Verify before action
Live rates, eligibility and provider terms are rechecked at the source before an application, transfer or switch.
Explore by Goal
Start with what you want your bank account or savings product to do.
▣Everyday BankingCurrent accounts for daily money management£Grow Your SavingsEasy access, notice and fixed-term savings♧Use Your ISA AllowanceExplore Cash ISA choices and rules↔Switch Your BankUnderstand incentives and switching conditions▥Compare ProvidersSee bank profiles, products and key details
PRACTICAL RESEARCH
Featured Guides & Insights
Evergreen UK banking guides selected for high-value decisions: costs, access, tax wrappers, switching mechanics and the conditions that change the outcome.
SAVINGS
How to compare savings accounts beyond the headline rate
Turn AER differences into pounds, then test access rules, balance bands and bonus periods.
Compare savings rates →
SWITCHING
Is switching your bank account worth it?
Separate any one-off incentive from the destination account’s normal fees, borrowing and rewards.
Test ongoing value →
CASH ISA
How Cash ISA transfers work
Keep the tax wrapper intact while comparing transfer rules, access, rate and provider process.
Read transfer guide →
CURRENT ACCOUNTS
How to compare the real annual cost of a current account
Annualise monthly fees, add realistic overdraft costs and subtract only rewards you expect to earn.
Compare account costs →