Help

You can view pretty much all pages directly using the navigation bars at the top of the page. The top bar links to each category while the bottom bar links to the topics within the current category.

Most pages also include direct links to relevant calculators, reviews, articles and tests via 'boxes' at the top of the page and/or the page's right hand column.

Links to pages within this site are shown like this.

Links to pages on other websites are shown like this. These sites are not related to Candid Money and we are not paid to feature them. We provide the links as we think you might find them interesting and/or helpful.

Registering gives you access to some of the site's most popular features, including the ability to post on the Forum, submit reviews, ask Justin questions and take the Candid Test.

The reason we ask you to register before using these features is to reduce the likelihood of 'spam' and 'phoney' content. Maintaining high quality content helps ensure that the site remains useful to as many users as possible.

The only personal information we ask for is an email address and this will NOT be passed to any third parties. You can opt to receive periodic email bulletins from us, with the ability to unsubscribe at any time.

You can register here.

Once you've submitted your registration you'll receive an email with a link to complete the process. This verifies your email address, helping us combat 'spam' content. If you don't receive the email within a few minutes, please check your 'junk' email folder in case the email has been filtered in there.

Once registered, you can login from any page using the 'Login' link at the very top of the page.

The Forum allows you to communicate with other users of the site. You can browse the Forum without registering, but you'll need to register before posting messages.

Once registered and logged in, you can:

• Post a new message in the category of your choice by clicking
• Reply to an existing message by clicking
• Subscribe to a thread (i.e. an initial message and subsequent replies) by clicking You can then choose how often you wish to be alerted of new replies.
• Search the current category for a specific word(s) by clicking
• Send a private message to another user by clicking

You can also contribute to specific messages by clicking to:

• Rate a message between 1-5 (based on its usefulness etc.) by clicking
• Report an abusive and/or 'spam' message by clicking

We don't actively monitor the Forum and messages reflect the views of the users who posted them, not Candid Money.

We encourage you to share your experience of financial providers by posting user reviews. Doing so takes just a few minutes and could really help others choose between providers.

Visit the Reviews Intro page and type the name of the provider you wish to review in the relevant 'Submit a Review' box. As you start to type you'll see a list of providers appear, once you see the provider you wish to review click on it, then select the relevant service and product from the next two boxes. If the provider, product or service doesn't appear then they're not in our database, please request we add them by clicking the 'Request An Addition' link.

Registered users who are logged in can report abusive and/or span reviews by clicking the respective links within the review. This will temporarily suspend the review while we check it.

We record the IP address of users who post reviews to help us identify potentially bogus postings.

Note, users who post offensive or spam messages on this site will be banned, to prevent repeat offences.

Got a financial question you want answered? You can ask money expert Justin Modray here.

Justin answers as many questions as he can, providing straightforward no-nonsense answers. And, best of all, it's free!