The questions we get asked.

No. Feefee carries no FCA authorisation. It publishes factual fee and rate comparisons. It takes no deposits, holds no customer money and gives no regulated advice. Some situations need an authorised adviser: DB pension transfers, schemes with safeguarded benefits, complex tax positions. Feefee won't run a comparison on those. It points you to Unbiased or VouchedFor instead.

Affiliate links to providers, once formal partnerships are signed. No paid referral arrangement is in place today with Unbiased or VouchedFor, so those links are editorial. Affiliate links are marked 'Affiliate' inline. There is no subscription, no data sale and no integration with anyone's bank account. Ranking comes from your numbers. Paying Feefee doesn't move a provider up it.

Every fee and rate figure links to a dated source on the provider's own page. The full list lives at /sources.

No. Feefee never asks for logins, account numbers, sort codes or bank details. The comparison runs in your browser on whatever balances you type in. Holdings stay in your browser's local storage and never reach a Feefee server. The only thing kept server-side is your email, and only if you opt into the monthly digest.

MSE and the editorial finance sites curate 'best buy' tables using editorial judgement. Feefee is a tool. You put in your own numbers and it works out your illustrative gap, with the maths shown. Different jobs.

Feefee uses publicly published rates and fees only, and links to the provider's own page for every figure. It shows the gap. It doesn't call providers good or bad.

No. Feefee shows straightforward fee gaps to retail savers. DB transfers, safeguarded benefits and complex tax all route to Unbiased or VouchedFor, where users find FCA-authorised IFAs. Adviser-network enquiries: partner@feefee.money.

Defined Benefit pensions (final-salary, career-average) have to be assessed by a regulated adviser before a transfer. So does any pension with safeguarded benefits, such as a guaranteed annuity rate or a guaranteed minimum pension. FCA COBS 19.1 requires a regulated adviser to sign off transfers above £30,000 transfer value. Feefee won't run a comparison on those. It points you to Unbiased instead.

An employer match is usually worth more than the fee saving on an active workplace pension. Feefee separates active workplace pensions (still receiving contributions) from dormant ones (previous employer, no contributions). It only shows a transfer comparison for the dormant case.

Workplace pension defaults vary a lot by employer. Feefee shows a typical retail or default-fund AMC. Your employer's scheme may have a negotiated rate as low as 0.30–0.45%. Your scheme booklet is the authority on that, not Feefee. The tool lets you type in your own fee figure. UK auto-enrolment defaults are capped at 0.75% by law.

Because 'free' only covers part of it. Trading 212 charges no platform, dealing or custody fee on its Invest / Stocks ISA. It earns money four other ways: a 0.15% FX fee plus an undisclosed FX spread on every non-GBP trade; securities-lending revenue split 50/50 with the client; net interest margin on uninvested QMMF cash; and CFD bid/ask spreads on a separate product line that drives most of Trading 212's £277m+ 2025 revenue. The headline is accurate about platform fees. Feefee shows the rest as well.

Yes. A Stocks & Shares ISA can hold cash as well as investments. The platform parks it in a money-market fund or a partner-bank arrangement. Trading 212 currently pays around 3.8% AER on uninvested cash via QMMF. Vanguard's equivalent has yielded around 3%. One caveat: MMF cash isn't FSCS-protected the way a bank deposit is. The underlying assets are very-low-risk gilts and T-bills, but it isn't a deposit.

Your holdings live in your own browser's localStorage, not on a Feefee server. If Feefee shuts down they stay on your device until you clear browser storage. The only data Feefee holds server-side is your email, and only if you opted into the digest. The privacy policy commits to deleting that within 30 days of any shutdown announcement.

A small team, from a software-engineering background rather than financial services. Where a case needs a regulated adviser, Feefee hands it over. Email: woof@feefee.money.

The difference between what your current provider would cost you and what an alternative would cost. Both sides assume the same fund, the same gross return and the same time horizon. The only thing that changes is the fee or rate. It's a comparison, not a forecast. Real outcomes also depend on fund performance, contribution patterns and personal circumstances Feefee doesn't model. For pension cases, the full assumption set lives in the dashboard's 'Show the working' panel.

Feefee is a sniff test for your money. The dog made us smile. That's about it.