Affiliate Disclosure |Affiliate Disclosure – GBWise
GBWise

📢 Affiliate Disclosure

Transparency about how we earn money while keeping our content free

Last Updated: February 24, 2026
ASA Compliant
CMA Guidelines
100% Transparent

🇬🇧 UK Legal Compliance

In accordance with the UK Consumer Protection from Unfair Trading Regulations 2008 and ASA guidelines, we clearly disclose our affiliate relationships. This page explains how we earn income while maintaining complete editorial independence.

1. Introduction

Welcome to GBWise! We believe in complete transparency with our readers. This Affiliate Disclosure explains how we may earn compensation when you use links on our website.

Our core promise: We will always provide honest, unbiased information regardless of any affiliate relationships. Your trust is more important than any commission.

This disclosure is part of our commitment to comply with:

  • UK Consumer Protection from Unfair Trading Regulations 2008
  • CMA (Competition and Markets Authority) guidelines on endorsements and reviews
  • ASA (Advertising Standards Authority) CAP Code
  • FCA guidelines on financial promotions

2. What Are Affiliate Links?

Affiliate links are special URLs that contain tracking codes. When you click on one of these links and make a purchase or sign up for a service, we may receive a commission from the provider.

Example:

"Compare the best cashback credit cards → Apply now with Barclaycard"

If you click this link and apply, we may earn a commission from Barclaycard.

This is a standard practice across the internet and how many websites (including major publishers) fund their operations while keeping content free for users.

3. How Affiliate Links Work

1

You Click

You click on an affiliate link in one of our guides or comparisons.

2

Cookie Tracks

A cookie is placed on your device to track the referral (usually 30-90 days).

3

You Purchase

If you complete a purchase or sign-up within the cookie period, we earn a commission.

The cookie is completely anonymous and does not collect any personal information about you.

4. Our Affiliate Partners

We work with a variety of trusted partners in the UK financial services industry. These include:

High Street Banks

Barclays, Lloyds, HSBC, NatWest

Credit Card Providers

American Express, Barclaycard, MBNA

Mortgage Lenders

Nationwide, Halifax, Santander

Insurance Companies

Aviva, Direct Line, Admiral

Savings Platforms

Chip, Plum, Moneybox

Travel & Avios

British Airways, Avios, IAG Loyalty

We also work with affiliate networks including AWIN, Impact, Rakuten, and Commission Junction who connect us with additional partners.

This list is not exhaustive and may change over time as we add new partners.

5. No Additional Cost to You

Important

The price you pay for any product or service is exactly the same whether you use our affiliate links or go directly to the provider's website. You never pay more by using our links.

In fact, we often include exclusive offers and deals that you might not find elsewhere. The commission we earn comes from the provider's marketing budget, not from your pocket.

6. Editorial Integrity & Independence

This is crucial: Our affiliate relationships NEVER influence our content, recommendations, or reviews. We maintain strict editorial independence.

Our Commitments:

  • No paid placements: Companies cannot pay to be featured or receive positive reviews
  • Honest reviews: We highlight both pros and cons of every product
  • Data-driven: All recommendations are based on research and data, not commission rates
  • Negative reviews: We publish negative reviews when products don't meet our standards
  • Editorial separation: Our editorial team operates independently from commercial partnerships

If a product offers higher commission but isn't the best option for our readers, we will NOT recommend it. Period.

Real Example

"We may earn commission from American Express links, but if we believe Barclaycard offers better value for most users, we will recommend Barclaycard despite potentially lower commissions."

7. How We Identify Affiliate Links

We make it easy to identify affiliate links through several methods:

  • Explicit disclosure: Many articles include a notice at the top like "This post contains affiliate links"
  • Button text: "Apply now", "Check rates", "Visit site" buttons are typically affiliate links
  • Link labels: Some links may have "(affiliate)" or "(ad)" next to them
  • Comparison tables: "Compare rates" or "View deal" links in tables are often affiliate links

When in doubt, assume that outbound links to financial product providers may be affiliate links. We want you to be fully informed.

8. Trust & Transparency

We understand that trust is earned. Here's how we maintain your trust:

  • Clear labeling: We clearly mark sponsored content and affiliate links
  • No misleading claims: We never promise something we can't deliver
  • Fact-checking: All information is verified before publication
  • Regular updates: We update content to ensure accuracy
  • Your feedback: We welcome questions and concerns about our practices

If you ever feel an article is unclear about affiliate relationships, please contact us immediately.

9. Frequently Asked Questions

Do you only recommend products with high commissions?
Absolutely not. We recommend products based on quality, value, and suitability for our readers. Commission rates never influence our recommendations. We regularly recommend products with no affiliate program simply because they're the best option.
How much commission do you earn?
Commission rates vary by product and provider. Credit cards typically pay £20-100 per approved application. Loans and mortgages may pay £50-200. Insurance products may pay £10-50. The exact rates are confidential, but we're happy to answer general questions.
Do you recommend products you wouldn't use yourself?
Never. We only recommend products we would use ourselves or recommend to family and friends. Our team personally tests many products and services before recommending them.
What if I click a link but purchase later?
Most affiliate cookies last 30-90 days. If you click our link and purchase within that period (even if you come back directly later), we may still earn commission. This is standard across all affiliate websites.
Do you have affiliate links in every article?
No. Many of our informational guides contain no affiliate links at all. When we do include them, it's only when they're relevant to the content and provide value to readers.

10. Questions? Contact Us

We welcome questions about our affiliate relationships and how we operate. Please don't hesitate to reach out:

📬 Affiliate Disclosure Enquiries

Address

71-75 Shelton Street
London, WC2H 9JQ

Live Chat

Available on our website

For regulatory concerns: ASA.org.uk | CMA.gov.uk

Our promise: We will always put your interests first. Thank you for supporting GBWise by using our links when you find them helpful!