Who writes the guides?
Filip Sardjoski, Orwanna’s founder, writes them. Each guide carries Filip’s name and the date it was last updated.
Filip has spent about ten years building banking software, four of them on PostFinance in Switzerland, and has worked on payments for a group of Austrian banks. He isn’t a financial adviser or a lawyer.
The guides are general information, not financial or legal advice. When an expert reviews a guide, their name will appear under “Reviewed by”.
Where do the facts come from?
Only from sources we have read. Each one is in the “Sources” list at the end of the page, with its link.
We prefer primary sources:
- Laws and regulations, in Spain’s official gazette (BOE).
- Banco de España and its Portal del Cliente Bancario.
- The documents each bank or card issuer publishes: the contract, the pre-contract information and its FAQs.
- Studies by consumer associations, and news reports, when they say where their figures come from. If a figure comes from one company’s own customers, we say so.
If we can’t check a fact, we don’t treat it as true. We mark it as pending and leave it out until we can check it.
How do we use AI?
We use AI tools to find sources and write drafts. Every fact in a draft is checked against its source before it’s published, and a person reads and approves the text.
Filip approves every guide before it’s published.
How often are they updated?
Each guide shows the date it was last updated. Guides that depend on something likely to change soon, such as a law that’s still going through parliament, also show the date of their next review.
The other guides are checked at least once a year.
Do they speak well of Orwanna?
Orwanna is a paid app, €2.99 a month, and these guides are Orwanna’s. That’s why we write them to be useful even if you don’t use Orwanna, and we say when another option fits better than paying the debt down yourself.
Orwanna has no commercial agreement with any bank, card issuer or company named in the guides, and none of them pays Orwanna.
How do I report an error?
Write to [email protected]. Tell us the page and the fact. If it’s wrong, we fix it and change the guide’s updated date.