Updated October 17, 2026 · SumCue Editorial Team
AJ Bell vs Revolut UK
Revolut UK
Higher score in this comparison
AJ Bell
AJ Bell vs Revolut UK: the differences
| Compare | AJ BellReviewSee alternativesSee alternatives | Revolut UKReviewVisitVisit |
|---|---|---|
| Minimum deposit | £25 | £0Lower |
| Regulators | Financial Conduct Authority (FCA) | Cyprus Securities and Exchange Commission (CySEC), LT BL, SIPC |
| Investor protection | FSCS up to GBP 85,000 | EU ICS up to EUR 20,000 |
| Currency conversion fee | 0.75% | 0% to 2%Lower |
| Account types | ISA, SIPP, Lisa, Jisa | ISA, Joint |
| Stock trade fee | £5 | Not confirmed |
| Account fee | £3.50 | Not confirmed |
| Markets | Stocks, ETFs, Bonds, Funds | Not confirmed |
| Deposit and withdrawal fees | Free withdrawals | Not confirmed |
| Platforms | Web platform, Mobile app | Not confirmed |
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Key differences
- Revolut UK scores higher overall: 9.4 vs 8.7.
- Regulators: only AJ Bell offers Financial Conduct Authority (FCA).
- Regulators: only Revolut UK offers Cyprus Securities and Exchange Commission (CySEC), LT BL, SIPC.
- Revolut UK is licensed in 2 more countries.
- Minimum deposit is lower at Revolut UK: £0 vs £25.
- Currency conversion fee is lower at Revolut UK: 0% to 2% vs 0.75%.
- Account types: only AJ Bell offers SIPP, Lisa, Jisa.
- Account types: only Revolut UK offers Joint.
- Support channels: only Revolut UK offers Email, Phone.
- Features: only AJ Bell offers Mobile app.
Our verdict on each
AJ Bell
AJ Bell suits UK savers who want a dealing platform, a pension and a tax wrapped account in the same place, with stated protection of FSCS up to GBP 85,000 for careful planners. The per-deal charge of £5 makes it a weaker fit for frequent traders.
Revolut UK
For readers in the UK managing everyday money and investing in one place, Revolut UK works as a broker linked to app based accounts and cards. It suits people who want easy access savings alongside joint and ISA options with multi currency and investing choices.
Score breakdown
| Area | AJ Bell | Revolut UK |
|---|---|---|
| Cost | 8.5 | 9.7Higher |
| Offer | 9.2 | 9.5Higher |
| Trust | 8.6 | 9.1Higher |
Side by side, item by item
| Account types | AJ Bell | Revolut UK |
|---|---|---|
| ISA | Yes | Yes |
| SIPP | Yes | No |
| Joint | No | Yes |
| Lisa | Yes | No |
| Jisa | Yes | No |
Where these facts come from
AJ Bell
- ajbell.co.uk: 15 facts, checked September 26, 2026
Revolut UK
- revolut.com: 5 facts, checked September 26, 2026
- esma.europa.eu: 4 facts, checked September 26, 2026
- moneytothemasses.com: 2 facts, checked September 26, 2026
How they place
| Ranking | AJ Bell | Revolut UK |
|---|---|---|
| Investing | 293 of 654 | 50 of 654 |
| Stocks and shares ISAs | 14 of 25 | 3 of 25 |
Every fact side by side
| Fact | AJ Bell | Revolut UK |
|---|---|---|
| Features | Mobile app | Multi currency, Virtual card, Travel |
| Pricing model | Low fees | No annual fee |
| Legal entity | AJ Bell | Revolut Digital Assets (Europe) Ltd |
| Headquarters | United Kingdom | Cyprus |
| Founded | Not confirmed | 2015 |
| Support channels | Chat, Help centre | Email, Chat, Phone, Help centreCovers more |
Credit cards
| Fact | AJ Bell | Revolut UK |
|---|---|---|
| Annual fee | Not confirmed | €0 |
| APR | Not confirmed | 13.34% to 17.99% |
| Rewards type | Not confirmed | Points |
| Rewards rate | Not confirmed | 1.5 points per EUR1 |
| Card kind | Not confirmed | Credit |
Savings
| Fact | AJ Bell | Revolut UK |
|---|---|---|
| Headline rate | Not confirmed | 4% |
| Rate type | Not confirmed | Variable |
| Deposit protection | Not confirmed | FSCS up to GBP 85,000 |
| Access terms | Not confirmed | Instant access via the Revolut app, fee-free withdrawals, no withdrawal limits |
| Monthly fee | Not confirmed | £0 |
| Account kind | Not confirmed | Easy access |
Debit cards
| Fact | AJ Bell | Revolut UK |
|---|---|---|
| Free ATM withdrawals | Not confirmed | £200 |
| Card type | Not confirmed | Debit |
| Card network | Not confirmed | Visa |
| Currencies | Not confirmed | 160 |
Robo-advisors
| Fact | AJ Bell | Revolut UK |
|---|---|---|
| Management fee | Not confirmed | 0% |
| Portfolio types | Not confirmed | ETF, Cash, Crypto |
Where each stands against the rest
| Fact | AJ Bell | Revolut UK | Median |
|---|---|---|---|
| Minimum deposit | £25above the median | £0lowest quarter | £15 |
| Stock trade fee | £5highest quarter | Not confirmed | £0 |
| Account fee | £3.50above the median | Not confirmed | £0 |
| Currency conversion fee | 0.75%above the median | 0% to 2%below the median | 0.4% |
Median across 77 listed providers.
Pros and cons
AJ Bell
Pros
- The account fee of £3.50 is a set figure on the dealing account, which makes the holding cost easy to budget.
- You can open an account from a minimum deposit of £25, a small opening balance for a dealing platform.
- The accounts listed as isa, sipp and lisa mean an individual savings account, a pension, a lifetime account and a junior account all sit with the same provider.
Cons
- Each deal costs £5, so the platform punishes anyone who trades often rather than holds.
- Support runs on chat and help centre only, so anyone who wants a phone line will not find one here.
- Currency conversion adds 0.75% on top of the dealing charge, so a global portfolio carries a further, quieter cost.
Revolut UK
Pros
- Easy access account opened and managed through the Revolut app
- Joint and ISA account choices alongside ETF, cash and crypto portfolios
- Multi currency handling with virtual card support for travel spending
Cons
- Investments carry risk, and the value of holdings can fall as well as rise.
- Investing happens on an execution only basis, so every decision rests with the investor.
Who each suits
AJ Bell
Who it suits
- Savers who want a dealing account and a pension under the same regulated firm, since the accounts listed as isa, sipp and lisa cover the main UK wrappers.
- People who plan to hold rather than trade often, because the per-deal charge of £5 works against frequent dealing.
- Investors who put weight on UK oversight and a stated protection limit, given Financial Conduct Authority (FCA) and FSCS up to GBP 85,000.
Who should look elsewhere
- Anyone starting with a smaller sum than £25, where CFI lists a minimum deposit of $0.
- People who want a phone conversation with support, since help here runs on chat and help centre only; bunq suits those after a bank relationship rather than a dealing platform.
- Anyone whose need is borrowing rather than investing, where Fiesta Credito MX sits under CONDUSEF in a different market.
Revolut UK
Who it suits
- People combining savings, cards and investing in one app
- Travellers handling more than one currency day to day
Who should look elsewhere
- Investors who want a firm to recommend which shares to buy.
- People who want only a traditional bank with local branches.
Country by country
| Country | AJ Bell | Revolut UK |
|---|---|---|
| United Kingdom | Yes | No |
Questions about each
AJ Bell
What does it cost to open and run an account?+
You need a minimum deposit of £25 to get going, which is a small opening balance for a dealing account. After that the account itself costs £3.50, and each deal you place costs £5. Add 0.75% if you convert pounds into another currency, and keep in mind that frequent trading is where a per-deal charge adds up fastest.
Is my money protected at AJ Bell?+
Your money sits with a firm regulated by Financial Conduct Authority (FCA), the UK regulator, and the stated investor protection is FSCS up to GBP 85,000. That figure is the ceiling on what the protection scheme pays if the firm fails, not a return on your investments, so a fall in the value of your holdings is not covered by it. Account opening and dealing happen under the same firm.
Revolut UK
Which products does Revolut UK cover as a broker?+
Revolut UK covers brokerage with easy access savings alongside joint and ISA account types. Portfolios include ETF, cash and crypto holdings. Card use includes debit and credit options with virtual card support.
Who is Revolut UK suited to?+
It suits people who prefer managing savings and investing through an app. Multi currency features and travel support help everyday use abroad. Joint account choices also support shared household money.
Other options to compare
Other matchups
Revolut UK
AJ Bell