Methodology

One rubric, applied identically to every product.

Scores change when the product changes — not when a brand calls us. We take no payment for placement, ranking or a favourable score.

30%

Pricing clarity

Every fee, spread and hidden charge documented in Naira. We penalise pricing that is technically disclosed but practically hidden.

30%

Transfer success rates, settlement times and app uptime measured over a rolling 90-day window with real transactions.

25%

CBN/NDIC or SEC status, custody arrangements, data practices, and how disputes actually resolve in practice.

15%

Verified complaints weighted against user base size, so scale is not mistaken for failure.

01
We open a real account and fund it with our own money — never a brand-provided test account.
02
We run a fixed transaction script: inbound transfers, outbound transfers, bill payments, card use and a withdrawal.
03
We log every fee charged and compare it against published pricing.
04
We file at least one support request and time the response and resolution.
05
We score against the rubric, then re-check the product every quarter.

If we get something wrong, we correct it and note the change at the foot of the review. Send corrections to corrections@fintechreviewng.com.