About Best UK Money Deals

We compare UK personal finance products — independently, transparently and on the rate you actually pay.

Our mission

Best UK Money Deals exists for one reason: too many UK comparison sites quietly rank products by who pays the highest affiliate commission, not who offers the best deal. The result is a generation of UK households paying 0.1% on £6,000 of emergency savings while a 4.65% account sits one form away, and balance-transfer customers being routed to 24-month deals when 32-month equivalents at the same fee are available.

We do one thing differently: we rank every product on the rate you actually pay across a realistic 12-month period — bonus, reverted rate, fees and tax treatment included. Affiliate commission, where it exists, only ever decides the tiebreak between two products that score within one percentage point of each other on cost. We document this on every product page so you can verify the methodology.

Editorial standards

Every product page on BUMD is reviewed by a UK-based financial editor with at least eight years of industry experience. We use the same five criteria for every category — representative rate, fees, eligibility, withdrawal or payment flexibility, and the small print that materially changes cost. Headline marketing rates do not influence rankings; the realistic representative number does. If a lender provides figures that we can't independently verify against the official Initial Disclosure Document, we mark the product down regardless of how attractive the headline appears.

Articles in our Money Guides blog are explainers, not advice. They cover what each product type is, how it works in the UK regulatory context, and the realistic trade-offs. They never tell a specific reader what to do — that is the FCA's job, through regulated advisers, not ours.

Our values

Editorial independence

No bank or financial institution has any equity in BUMD. No ad sales team has any input into product rankings. The editor's call on every page is the final call.

Transparent commercials

Where we earn commission on a product, the link is marked with rel="sponsored". The commission size never alters the rank. Where we earn nothing, the link is still there.

Live data, daily

Every rate on the site is refreshed every 24 hours by our editors. When a lender pulls a product or drops a rate, we update the same day — not at the end of the month.

How we make money

BUMD is funded by affiliate commission. When you apply for a product through a link on our site, the provider pays us a fixed amount — typically £15 to £80 depending on the product type. This is paid by the provider, not by you, and is never visible on your statement or in your terms.

Where two competing products score equally on cost in our methodology, the one paying commission is shown first. Where there is a clear winner on cost, the cheaper product is shown first regardless of commission. The full ranked list — including products that pay us nothing — appears on every comparison page.

What we are not

BUMD is not a regulated financial adviser, not a bank, not a broker, and not an FCA-authorised firm. We are a journalist-led editorial comparison website. We do not offer one-to-one financial advice, do not sell products ourselves, and do not handle your money. For regulated advice on UK financial products, contact a firm listed on the FCA Register or use the free service at moneyhelper.org.uk.

Contact & corrections

Found a rate, fee or detail on the site that looks wrong? Email the editors via the contact form — corrections are logged, dated and applied the same business day. We publish a public corrections log at the bottom of each major product page when material changes occur.