Methodology

How VerdictLab ranks products

1. 1

   Head-to-head, round by round

   Every comparison pits two options against each other over several rounds — the factors that matter most in that category, like fees, coverage or customer trust. Each side gets a score out of 10 per round, backed by a cited figure.

2. 2

   Evidence-checked before publishing

   Figures are checked against official disclosures and reputable sources before a comparison goes live. Numbers like rates, fees and bonuses change, so always confirm on the provider's site.

3. 3

   Overall score

   A product's overall score is the average of its round scores across every head-to-head it appears in, so it reflects how it holds up against the whole field rather than one rival.

4. 4

   Commissions never change rank

   Some outbound links earn us a commission. Rankings are ordered by score only; whether a product has an affiliate link is not an input.