Debit data methodology

This page describes the release rules for SwitchWize's approved debit dataset. It does not imply that a current release exists.

Check current category status

Required evidence and freshness

A current release uses evidence no older than 168 hours at publication. Every displayed metric and required term has its own source receipt.

• A current release needs editor approval, a source receipt for every displayed metric and required term, and no unresolved exclusions.
• Current releases require official or government evidence. An aggregator observation alone cannot approve a current rate.
• Missing, conflicting, future-dated, or stale evidence excludes a record from a current release.
• Rates and terms may change after the evidence time; check the issuer before applying.

Product qualification

Checking or prepaid debit must remain distinct from secured credit. An unverified reward cannot be ranked.

Fields we require

Metric convention: annual_net_value with an explicit scenario formula.

• linked_account_type
• monthly_fee_usd
• reward_rate_percent
• reward_cap_usd
• eligible_spend_cap_usd
• reward_exclusions
• out_of_network_atm_fee_usd
• atm_reimbursement_usd
• foreign_transaction_fee_percent
• dispute_terms_url

Ordering

No generic approved deposit APY ranking exists for debit. Any future net-value ranking must apply reward caps, exclusions, fees, and linked-account conditions.

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