We built the tool we wished existed.
Most comparison sites rank by who pays the most. SwitchWize ranks by what's actually best for you — and tells you exactly how much staying put is costing you per year.
The problem
$1,847 per year. Quietly.
The average American overpays their bank by $1,847 per year — not because they don't care, but because the information is buried in fine print and switching feels complicated. Traditional banks count on that inertia. It's their most profitable line item.
Comparison sites were supposed to fix this. Instead, most became a second layer of the same problem: rankings determined by who pays the highest referral fee, not who offers the best product. The user ends up just as lost, just with more tabs open.
The approach
Recovery, not just comparison.
Every product on SwitchWize is ranked by objective criteria: rate, fees, minimum balance, brand trust, and switching friction. Sponsored placements exist and are clearly labeled — but they appear separately from organic rankings and don't influence our methodology.
A product with a 0.1% lower APY that takes 10 minutes to open online may be a better real-world choice than one with a higher rate that requires a branch visit and a signature guarantee. We score every account on actual switching friction — Low, Medium, or High — so the comparison reflects real-world behavior, not just rate tables.
Our 90-second diagnostic finds your single highest-confidence financial move. It calculates the exact dollar gap between what you're earning or paying now versus what's available — and surfaces the three products most likely to close it. One clear action, not a list of ten.
Rates are pulled from FRED, BLS, and direct provider sources daily. Every number on the site is timestamped. When rates move, we say so — and we tell you whether that movement changes the recommendation.
The team
Built by people who ran out of patience with the status quo.
AI-assisted analysts monitoring 150+ financial institutions daily. Every rate verified against primary sources before it appears on the site.
The team behind the ranking engine, Money Map flow, and content intelligence system. Obsessed with making the right answer obvious.
Every guide and article is reviewed by a human editor before publication. No AI-slop. Every claim sourced. Every Bottom Line decisive.
Editorial standards
How we keep the ranking honest.
All rates sourced from official provider disclosures and verified against FRED API data daily. Stale data is flagged and updated within 24 hours of material changes.
Our full ranking criteria, weights, and scoring rubric are published at /methodology. Nothing changes based on advertiser relationships.
We earn commissions when you apply through our links. This funds the site. It never determines rank order — sponsored products are always labeled as such.
AI assists with research and drafting. A human editor reviews and approves every article before it goes live. Every piece carries a byline and a review date.
We check for intro-rate periods and flag them in our data. We never surface a promotional rate as the ongoing rate without disclosure.
Switching friction (Low/Medium/High) is assessed for every account based on account opening process, transfer time, and support quality — not just rate.
Get in touch
Partnership enquiries, press requests, data licensing, or product feedback. We read everything.