Money decisions, made with real numbers

Rateweb is organised around what you are actually trying to do with your money: improve your position, manage day-to-day spending, borrow well, grow wealth, protect what you have, and understand the system you are operating in. Not around what is easiest to publish.

That shapes how we write. A guide that cannot tell you what something costs, who qualifies, or what the rule actually says is not much use. So we work from primary sources — the tax authority, the central bank, the statistics office, the regulators and the legislation itself — and we say plainly when a number is uncertain or when we could not verify something.

Rateweb earns money mainly through affiliate partnerships and advertising, disclosed in full on our <a href="/how-we-make-money">how we make money</a> page. That funding never decides what we publish or how we rate a product. <strong>Money cannot buy a better rating, a higher ranking, or a competitor's removal</strong> — our <a href="/ratings-methodology">ratings methodology</a> and <a href="/editorial-guidelines">editorial guidelines</a> set out exactly how we score and fact-check what you read.

Nothing on Rateweb is personal financial, tax or legal advice. We aim to give you clear, accurate information so you can make your own informed decision — and where the details genuinely turn on your situation, we say so and point you to a qualified professional rather than guessing on your behalf.

Rateweb is written and maintained by a small team of writers and researchers covering banking, insurance, credit, investing and careers. Every article carries a byline — you can see who wrote what, and what they focus on, on our <a href="/authors">authors page</a>.

This edition is written for Nigeria, with its own rates, tax rules and providers. Rateweb runs local editions in several African markets, and none of them is a translated copy of another — a guide here is written against the rules that actually apply where you live.