psyfi money uses a clear, consistent and transparent review process to help readers make confident decisions about financial platforms.
We assess each service using hands on testing, expert analysis and a structured scoring model that covers security, pricing, usability and long term trust.
Our goal is to give readers reliable, unbiased information that explains both the strengths and limitations of every platform we review.
How our review process works
Every review follows the same three step process:
Step 1. Hands on testing
We test each platform using a real account where possible. This includes:
- creating an account
- completing verification
- testing deposits and withdrawals
- using mobile and web apps
- checking real trading or investing features
- contacting customer support
- evaluating ease of use
When hands on testing is not possible, we use verified data sources, regulatory filings, user experience reports and product documentation.
Step 2. Expert evaluation
Each review is written or reviewed by an expert with experience in personal finance, behavioural finance, trading or financial operations. We assess the platform for:
- safety and regulatory status
- product quality
- transparency of fees
- platform reliability
- customer support standards
This ensures that every review reflects practical, real world experience rather than marketing claims.
Step 3. Scoring using our 1 to 5 rating model
We apply our structured scoring model across six core categories. Each category is rated from 1 to 5 and combined into an unweighted average for the final score.
This keeps reviews fair, simple and consistent.
Our scoring model
We score each platform using the following six categories.
Categories we assess
Security and Trust: Looks at regulation, security features, company history, transparency and user protections.
Fees and Pricing: Evaluates spreads, commissions, trading fees, subscription costs and any hidden charges.
Features: Assesses the range and depth of tools, assets, account types, research and learning resources.
Ease of Use: Measures usability, onboarding, mobile experience, simplicity and accessibility for beginners.
Customer Support: Reviews support channels, response times, availability and quality of help resources.
Reputation: Considers track record, user feedback, financial strength and long term reliability.
How scoring works
Each category receives a score from 1 to 5:
| Score | Meaning | Description |
|---|---|---|
| 1 = Very Poor | Major issues | High risk, unclear policies, difficult to use, not recommended |
| 2 = Below Average | Limited | Weak features, high fees or usability problems |
| 3 = Average | Acceptable | Standard experience, nothing exceptional |
| 4 = Good | Strong | Better than most competitors, reliable and transparent |
| 5 = Excellent | Best in class | Outstanding features, great UX, low fees, trusted and secure |
The overall rating is the unweighted average of all six categories. We do not artificially adjust scores for marketing or commercial reasons.
Our commitment to accuracy and independence
We publish unbiased reviews
Our ratings are based on real testing and verified information. Commercial partnerships do not influence our scoring or editorial conclusions.
We update reviews regularly
Platforms change. Fees shift. Regulations evolve.
We monitor updates and refresh our reviews when key details change to ensure accuracy.
We prioritise user safety
Crypto, trading and financial platforms carry real risks. Our reviews clearly explain:
- security standards
- regulatory status
- lack of FSCS protection for crypto
- potential downsides and limitations
We are transparent about risks so readers can make informed decisions.
We use clear, simple language
Money is complex, but explanations should not be.
Our reviews are designed to be easy to read, skimmable and practical.
We disclose how we make money
Some reviews may contain affiliate links. If you sign up through one of these links, we may earn a commission at no extra cost to you. This supports our work but does not influence our ratings or conclusions.
Why you can trust our reviews
Every review follows the same scoring model.
- Experts with real world experience write or review each article.
- We rely on direct testing, not marketing claims.
- We explain both pros and cons clearly.
- We never promise returns or promote unsafe practices.
- Our mission is to help readers make informed, confident decisions.
psyfi money exists to provide clarity, not hype.
