SwitchWizeSmart Financial Decisions
Trust & Transparency

How SwitchWize works

We believe you deserve to know exactly how we make money, how we rank products, and what we do with your data.

How we make money

SwitchWize earns referral fees from financial institutions when you click through to their products and open an account. This is called affiliate or performance marketing — we get paid when we send you to a partner, and they win a new customer.

This does not determine how products are ranked. Our editorial rankings are based on objective data: interest rates, fees, minimum balances, switching friction scores, and FDIC status. A bank cannot pay to rank #1 on SwitchWize.

Some products are marked Sponsored — these pay for premium placement. Sponsored products are clearly labeled and our ranking methodology still applies to their overall scores.

How we rank products

Every product on SwitchWize is scored on five dimensions. The weighting varies by category.

Rate / Yield
APY for savings, APR for loans. Sourced daily from official provider pages. National average data from Federal Reserve FRED API.
Fees
Monthly fees, origination fees, balance transfer fees, annual fees. Lower is better.
Minimum balance / deposit
Products with no minimum rank higher than those requiring $2,500+ to earn the advertised rate.
Switching friction
Our proprietary score: how hard is it to open this account and move your money? Online-only, instant approval = Low. Branch visit required = High.
Brand trust score
Based on years in operation, FDIC/SIPC status, Better Business Bureau rating, and public complaint data from the CFPB.
Full methodology →

Your data

SwitchWize does not sell your personal data. Ever.

If you create an account, we store your email, saved products, and Money Map results. This data is used solely to power your dashboard and rate alerts — nothing else.

We use Google Analytics to understand aggregate traffic patterns. Individual browsing sessions are not tracked or sold.

When you click through to a provider, we pass UTM parameters so we receive referral credit. The provider receives no data about other pages you visited on SwitchWize.

Security

SOC 2
Type II Certified
Annual third-party security audit
ISO
27001 Certified
Information security management
🔒
Clerk Auth
Bank-grade authentication, never stores passwords

Questions or concerns?

We take editorial independence seriously. If you see something that doesn't look right, tell us.

Contact editorial team →