Methodology

What we do, how the numbers are produced, and who is accountable for them.

Who writes this

BankRemotely is published under an editorial desk byline rather than a personal name. That is a deliberate choice and worth explaining rather than leaving to inference.

The editor is resident in Sweden, where public tax records make a personal byline a disclosure of home address and income. That is a disproportionate price for a name on a page. What we will not do is invent a person to fill the gap: there is no fictional analyst here, no stock-photo headshot, and no fabricated credentials. An editorial desk that explains itself is more accountable than a persona that cannot be checked.

The relevant experience is fifteen-plus years living outside the country of origin, running technical teams and their budgets, and personally holding bank accounts across several countries — opening them, being refused them, moving money between them and paying for the privilege. That is the background behind the cross-border coverage in particular.

We are not licensed financial advisers and nothing here is personal advice. Where a question genuinely needs one, we say so instead of answering it.

How the numbers are produced

Every figure on this site comes from a calculation we are willing to show. Where a page carries a verdict, the arithmetic behind it is on the page or on its receipts page — not summarised, not asserted.

The calculators are shared with the video work on The Escape Fund, and that creates a specific risk: the same rule appearing on screen and on this site with two different numbers. We handle it mechanically rather than by care. Each episode's constants are computed once, in one file. Both the on-screen charts and the calculators here read that file. Before this site can be published at all, an automated check re-derives every published figure from the calculator code and refuses to build if any of them disagrees with what the video says out loud.

Rates and product terms are a different problem: they change, and stale rates in a financial comparison are worse than no rates. Everything of that kind lives in one data file with a last-verified date attached, and that date is printed wherever the number appears. If a date looks old to you, it is old — we would rather show you that than hide it.

Assumptions

Every calculator states what it assumed, in plain language, on the same page as its answer. Where an assumption is generous to the product being examined, we say that too. A model that only works under flattering inputs is not evidence, and we would rather lose the argument than win it that way.

Who each account is bad for

Every comparison carries a mandatory “who this is bad for” line, including for products we earn commission on. Most comparison sites omit this, and the reason is structural rather than mysterious: the omission is what makes the page pay. We have decided to accept the lower conversion rate.

The same rule binds the calculators, in both directions. Where a product measurably improves your position, we say so and show the size of the improvement rather than gesturing at it — understating a real gain is its own kind of dishonesty, and the finger-wagging end of this industry does it constantly. Where the thing that would actually help is not a product, we name that instead.

Corrections

If a number here is wrong, we want to know, and we would rather hear it from you than from a comment section. Write to hello@bankremotely.com. Corrections are made to the page and noted on it, rather than edited away silently.