Our rating methodology
We rate every provider against transparent, traceable criteria. We have developed a separate points system for each category.
We do not test products ourselves; we rate providers objectively based on published terms and service specifications.
How we rate
Detailed analysis
Each provider is rated individually against fixed criteria.
Points system
Objective scoring allows fair comparisons between providers.
Regular updates
We regularly update our ratings with current data.
Rating criteria by category
Click a category to see the full points breakdown.
Brokerage account comparison
Brokers, order fees, savings plans
Current account comparison
Account management, cards, cash
Children's account comparison
Costs, financial education, parental control
Credit card comparison
Fees, bonus, insurance
Loan comparison
Interest, payout, flexibility
Instant-access savings comparison
Interest, security, availability
Fixed-term deposit comparison
Interest, deposit protection, terms
Home savings plan comparison
Fees, loan rate, allocation
Mortgage comparison
Borrowing rate, special repayments, subsidies
Robo-advisor comparison
Costs, strategy, transparency
CFD and forex brokers
Spreads, investor protection, platform
Crypto exchange comparison
Fees, custody, regulation
Business account comparison
Fees, accounting, legal forms
Business loan comparison
Interest, lending criteria, payout
Streaming comparison
Content, quality, devices
Tax software comparison
Features, ELSTER, price
Insurance comparison
Cover, claims, flexibility
VPN comparison
Security, speed, data protection
Newsletter tool comparison
Automation, deliverability, GDPR
VoIP phone system comparison
Telephony, voice quality, integrations
Card terminal comparison
Fees, payment methods, hardware
Video editing comparison
Editing, AI features, export
VPS comparison
Performance, network, tools, security
Our promise
All ratings on Kosten.org are created according to these uniform criteria. Transparency and objectivity come first for us.