How Momo makes money

Momo is built to earn affiliate revenue. Where a provider accepts US persons and runs a partner programme, Momo intends to earn a fee when a reader opens an account through a link here. That is the model, stated before it starts rather than after.

Where things stand

No link on this site is paid today. No provider pays for inclusion, for position, or for a link. When that changes, this page will name the provider, the account type, the mechanism, and the network, and it will say so before the first paid link goes live.

That was last confirmed on Sep 11, 2026. Every link to a provider on Momo goes straight to the provider's own site.

Unchanged when links go live

Three things do not change when paid links arrive. A verdict is set by the eligibility research and never by what it earns. Every paid link sits beside an unpaid link to the same provider. And a refusal earns nothing: a provider that declines US persons is named in full, with the reason and the evidence, and never carries a paid link.

Of the 492 verdicts Momo publishes, one for each provider and account type, 112 are refusals and a further 85 record an account the provider no longer sells to anyone. None of them can earn Momo anything.

The rules behind this, including how every list is ordered, are set out in the editorial code, which is dated and records each change to it.

Before the first paid link

An affiliate fee is a payment a provider makes to a site that sent it a customer. Before the first paid link appears, this page will carry a table with one row per arrangement, naming:

• the provider;
• the account type the link is for;
• the mechanism: a flat fee for each account opened, a percentage of a fee or of a balance, or a fee paid through an affiliate network, a company that runs partner programmes for many providers and passes the fee on;
• the network, where there is one.

Each paid link will be labelled where it appears, with the unpaid link to the same provider beside it. Affiliate tracking stores or reads something on your device, so it will not run without your consent, and the cookie settings will offer that choice before any tracked link exists. If an arrangement ends but Momo can still be paid for a reader who arrived while it ran, this page will say so. A provider with no partner programme stays on the site exactly as it is now.

What Momo is

Momo is an information service operated by Haystack Rock Limited, company number 07572770. It is not authorised or regulated by the Financial Conduct Authority, and it does not provide financial, investment or tax advice; a verdict here describes a provider's policy and makes no recommendation to you. The terms of use are on the terms page.