Data Methodology — SwitchaBank

Methodology

How official product facts become comparable public records—and where SwitchaBank stops.

Deposits Loans Home

Reviewed record

From source to shortlist

Every visible comparison follows the same bounded record path.

01
Official source
Product facts begin with public institution sources.
02
Reviewed record
Only approved public fields enter the comparable product record.
03
Public snapshot
The latest successful aggregate snapshot powers every public view.
04
Your verification
Rates and conditions can change. Recheck the institution page before acting.

Raw evidence and internal review traces stay private.

What the public snapshot includes, excludes, and may leave unavailable.

Snapshot source

Public pages use the latest successful aggregate snapshot, not live bank pages.

Metric eligibility

A rate, fee, amount, or term appears only when its approved public field is available.

Product text

Product names and source-derived conditions stay in the original source language.

Evidence boundary

Raw evidence, source excerpts, and internal review traces are not exposed on SwitchaBank.

Comparison and rankings

Rankings use only eligible public numeric fields. Missing values are excluded, never estimated.

Freshness and verification

Snapshot generation and each product’s last check are separate. Rebuilding a snapshot does not recheck bank facts. Savings, GIC/CD and loans are due for recheck after 7 days and verification expires after 30 days; checking/chequing and cards use 30 and 90 days. These are review windows, not guaranteed rate-validity periods. Warnings do not mean product withdrawal. Confirm current terms with the bank.

SwitchaBank compares published facts. It does not choose a product for you.

Differences are emphasized only where a public field is available.

Deposits Loans