Regulatory Compliance
12/12
FCA authorisation, FSCS protection, and no major recent fines or sanctions. High score for full authorisation and a clean record.
Customer Satisfaction
23/23
Trustpilot, App Store, and social sentiment. High score for 4.5+ and rapid complaint resolution.
Product Value
20/20
Fee transparency, strong free tier, and market-leading value. High score for best-in-market value and no hidden fees.
Innovation
12/12
Frequent feature launches, open banking, and new tech. High score for quarterly impactful launches and industry leadership.
Security
9/9
Biometric login, instant freeze, fraud detection, and no major breaches. High score for comprehensive, user-friendly security.
Accessibility
9/9
App ratings, accessibility features, and global reach. High score for 4.5+ ratings and inclusive design.
Sustainability
5/5
Green investments, carbon offsetting, and ESG reporting. High score for clear, impactful actions and transparent reporting.
Additional Features
10/10
Standout extras like budgeting, crypto, and travel perks. High score for multiple, genuinely useful extras.
