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Editorial

Editorial Policy

How bergmoney researches, writes and updates its Swiss-finance content. Methodology, sourcing, corrections, conflict-of-interest rules — in one place, on one page, no hidden small print.

bergmoney is an independent editorial publication covering Swiss banking, brokers, insurance, pension and taxes for expats living in or moving to Switzerland. We are not licensed financial advisers; everything we publish is journalism and education, not investment advice.

This page documents how we work. It is the standard we hold ourselves to and the standard we want readers to hold us to.

How we research and review

Four principles that apply to every review we publish.

  1. Step 1

    Use the product where possible

    Open the account. Run a real transaction. Check the fees on a real statement. When it isn't possible — premium broker tiers, large mortgages, niche insurance riders — we say so.

  2. Step 2

    Read the primary source

    Bank fee schedules, prospectuses, FINMA and BAG documents, cantonal tax tables. Not other blogs.

  3. Step 3

    Update quarterly

    Swiss fees, Krankenkasse premiums, broker pricing change. Every review carries a "Reviewed & updated" date. Anything older than 12 months should be treated as a reference point.

  4. Step 4

    Disclose limits

    When we couldn't test something, we say so. When we don't know an answer, we say so. When a product changed recently, we say so.

Sources we use

When we cite numbers, rules, or processes, our preference order is:

  1. 1 Swiss federal and cantonal authorities — FINMA, BAG, SECO, Federal Tax Administration, cantonal tax offices.
  2. 2 Provider documentation — current published fee schedules, T&Cs, prospectuses.
  3. 3 Established Swiss media — NZZ, Le Temps, RTS, SRF.
  4. 4 Comparison services (Comparis, Moneyland, Bonus.ch) — cross-checking only, always confirmed against primary sources.

We may use expat forums and community discussions (Reddit, English Forum Switzerland, X) to understand common questions and user experiences — but never as primary sources for factual claims about fees, regulation or product behaviour.

Corrections policy

  • If you spot a factual error, contact us at hello@bergmoney.com or via the /contact/ page.
  • We aim to verify and respond within five working days.
  • When we correct a factual error, the page is updated and the change is noted in the page's review-cadence footnote.
  • Subjective opinions (which product we recommend in a category) are not corrections — they are editorial judgement and stand unless we are persuaded otherwise.

Reach editorial via the contact page.

What we do not do

  • Publish sponsored articles dressed up as editorial.
  • "Top 10" lists where the order is influenced by who pays.
  • Recommend products we wouldn't open ourselves.
  • Remove a negative review because the partner complained — we correct factual mistakes; we do not retract honest opinions.

Conflicts of interest and affiliate model

bergmoney earns affiliate commissions from some — not all — of the products we cover. We disclose this on the Affiliate Disclosure page and inline on every page that contains affiliate links.

Commission rates do not influence rankings. Several of the products that pay us the most are not at the top of our comparison tables, because they are not the best fit for most readers.

We do recommend products that pay us nothing. When the best answer for a category is a product without an affiliate programme, we say so and link to it without an affiliate tag.

We disclose which links are affiliate. Inline on each article and a full breakdown on our Affiliate Disclosure page.

What we are not

  • bergmoney is not a licensed financial adviser.We are not registered with FINMA, the FCA, the SEC or any equivalent regulator.
  • Our content is journalism and education, not advice.We explain how Säule 3a works. We don't tell you whether you, specifically, should max it out this year.
  • We don't know your situation.Permit type, family situation, country of citizenship, cross-border tax exposure — these change everything, and we don't see them.
  • For decisions that meaningfully affect your money, talk to a qualified adviser in Switzerland.

Questions about how we work?

Corrections, source requests, conflict-of-interest enquiries — all welcome.

Contact us

We aim to reply within five working days.

Reviewed & updated: 25 May 2026 by bergmoney Research.

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