What spread or implicit cost applies, and is it disclosed?
Answered for 2 of 6 firms. Published spread data or explicit disclosure of spread as a cost
HARGREAVES LANSDOWN ASSET MANAGEMENT LIMITED
Stated by the firmThe investments you choose may have their own initial and annual charges and a bid offer spread.
The document notes that the investments a customer chooses may have their own initial and annual charges and a bid offer spread.
Published by the firm · Hargreaves Lansdown Asset Management Limited · Check the source
STARLING BANK LIMITED
VerifiedStarling’s inbound exchange rate is based on a mid-market point calculated from third-party exchange rates, plus a margin.
The document discloses that a margin is added to the mid-market rate used for Starling's inbound exchange rate.
Binding document · Starling Bank Limited · Check the source
FREETRADE LIMITED
Not foundNo qualifying source was located within the evidence window. This records what we could not confirm, and carries no inference about the firm.
MONZO BANK LIMITED
Not foundNo qualifying source was located within the evidence window. This records what we could not confirm, and carries no inference about the firm.
TRADING 212 UK LIMITED
Not foundNo qualifying source was located within the evidence window. This records what we could not confirm, and carries no inference about the firm.
WISE PAYMENTS LIMITED
Not foundNo qualifying source was located within the evidence window. This records what we could not confirm, and carries no inference about the firm.
Every firm here was asked the same question against the same published standard, and every answer quotes the passage it came from. Where the answers differ, the difference is in the firms’ own documents, not in how we read them.
Darker text marks stronger evidence. A statutory register prints at full strength; a firm’s own marketing prints lighter. The methodology sets out the weightings.