Honest questions, honest answers.

No. Feefee is a publisher of comparison data, operating under the Article 47 publisher exemption in the Financial Promotion Order 2005. It does not take deposits, does not provide regulated advice, does not hold customer money, and does not carry FCA authorisation. When a comparison touches a complex situation that needs authorisation (DB pension transfers, schemes with safeguarded benefits, complex tax positions), Feefee refuses to render and routes the user to Unbiased / VouchedFor for an FCA-authorised independent adviser.

Affiliate links to product providers (when we sign formal partnerships). As of today no paid referral arrangement is in place with the regulated-adviser networks (Unbiased / VouchedFor) — those links are editorial. Every affiliate link is marked inline 'Affiliate'; non-paid links are marked 'Editorial'. There is no subscription, no data sale, and no integration with users' bank accounts. The engine's ranking is determined by the user's numbers, not by who pays Feefee.

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 entirely in your browser using whatever balances you choose to enter. Holdings are stored in your browser's local storage; they never reach a Feefee server. The only thing Feefee retains server-side is your email if you opt into the monthly digest — and only your email.

MSE and the editorial finance sites rank by editorial judgement and curate 'best buy' tables. Feefee is tool-first: you input your actual numbers, Feefee computes your illustrative gap. Different product, complementary. If you want curated picks, read MSE. If you want a number sized to your actual setup with the maths shown, run Feefee.

Feefee uses only publicly-published rates and fees, links to the provider's own page for every figure, and surfaces the gap rather than declaring providers good or bad. Article 47 publisher protection covers factual market commentary by genuine publishers.

No, the opposite. Feefee surfaces straightforward fee gaps to retail savers and explicitly routes complex casework (DB transfers, safeguarded benefits, complex tax) to Unbiased / VouchedFor — where users find FCA-authorised IFAs. Adviser-network enquiries: partner@feefee.money.

Defined Benefit (final-salary, career-average) pensions, and any pension with safeguarded benefits like guaranteed annuity rates or guaranteed minimum pension, must be assessed by a regulated adviser before any transfer. UK regulation (FCA COBS 19.1) explicitly requires a regulated adviser to sign off on transfers above £30,000 transfer value. Feefee deliberately refuses to render a comparison for these and points the user to Unbiased instead.

Generally no — the employer match is usually worth more than the fee saving on the active workplace pension. Feefee distinguishes between active workplace pensions (still receiving contributions) and dormant ones (from a previous employer, no contributions). It only surfaces a transfer comparison for the dormant case.

Workplace pension defaults vary materially by employer. Feefee shows a typical retail / default-fund AMC, but YOUR employer's scheme may have a negotiated rate as low as 0.30–0.45%. Check your scheme booklet, not Feefee. The tool lets you override with a custom fee figure. UK auto-enrolment defaults are statutorily capped at 0.75%.

Because 'free' isn't quite right. Trading 212 charges no platform, dealing or custody fee on its Invest / Stocks ISA, but earns from four less-visible levers: 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 'free' headline is honest about platform fees but doesn't tell the whole story — Feefee surfaces both.

Yes. Many UK savers think Cash ISA is the only place for tax-free cash. Not true: you can hold cash inside a Stocks & Shares ISA too — the platform parks it in a money-market fund or a partner-bank arrangement. Some S&S ISA cash rates are highly competitive: Trading 212 currently pays around 3.8% AER on uninvested cash via QMMF; Vanguard's equivalent has yielded around 3%. Caveat: MMF cash isn't FSCS-protected as cash like a bank deposit (the underlying assets are very-low-risk gilts / T-bills, but it's not a deposit).

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

A small team. Technology and product come from a software-engineering background, not financial services. Where Feefee surfaces a regulated boundary, it routes to authorised advisers rather than crossing it. Email: woof@feefee.money.

It's the difference between what your current provider would cost you and what an alternative provider would cost — under the explicit assumption that the same fund, same gross return, and same time horizon apply at both providers. The only thing changing is the fee or rate. It's a comparison, not a forecast: real-world 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.