Updated September 29, 2026 · SumCue Editorial Team
Betterment vs Revolut
Revolut
Betterment
Higher score in this comparison
Betterment vs Revolut: the differences
| Compare | BettermentReviewSee alternativesSee alternatives | RevolutReviewVisitVisit |
|---|---|---|
| Management fee | 0.25% | 0%Lower |
| Regulators | U.S. Securities and Exchange Commission (SEC) registered investment adviser, Financial Industry Regulatory Authority (FINRA) Betterment Securities broker dealer member, SIPC | Cyprus Securities and Exchange Commission (CySEC), LT BL |
| Investor protection | SIPC up to USD 500,000 | FSCS up to GBP 85,000 |
| Account types | IRA, Roth IRA | ISA, Joint |
| Portfolio types | ETF, ESG, Cash, CryptoCovers more | ETF, Cash, Crypto |
| Minimum investment | $10 | 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
- Betterment scores higher overall: 9.7 vs 9.2.
- Regulators: only Betterment offers U.S. Securities and Exchange Commission (SEC) registered investment adviser, Financial Industry Regulatory Authority (FINRA) Betterment Securities broker dealer member, SIPC.
- Regulators: only Revolut offers Cyprus Securities and Exchange Commission (CySEC), LT BL.
- Founded is lower at Betterment: 2008 vs 2015.
- Revolut is licensed in 2 more countries.
- Revolut is available in 28 more countries.
- Management fee is lower at Revolut: 0% vs 0.25%.
- Account types: only Betterment offers IRA, Roth IRA.
- Account types: only Revolut offers ISA, Joint.
- Portfolio types: only Betterment offers ESG.
Our verdict on each
Betterment
Betterment suits US savers who want a managed portfolio and a cash sweep in the same app, charging a management fee of 0.25% on top of an account fee of $0. Cash earns a variable 3.5%, so the income side moves with policy rates, and its overall score is 7.9.
Revolut
Revolut suits people who want everyday banking, travel spending and easy-access savings in one app. Its debit account has a monthly fee of £0, a free ATM allowance of £200 and multi-currency, virtual-card and travel features, although its currency conversion fee can reach 0% to 2%.
Score breakdown
| Area | Betterment | Revolut |
|---|---|---|
| Cost | 9.5HigherManagement fee of 0.25% ranks 18 of 49, and the account fee is $0. | 9.4The debit account has a monthly fee of £0, while its currency conversion fee is 0% to 2%. |
| Offer | 9.7 | 9.8HigherThe offer includes multi-currency, virtual-card and travel features, plus a headline savings rate of 4%. |
| Trust | 9.9Higher | 8.5 |
Licences and countries
| Country | Betterment | Revolut |
|---|---|---|
| Cyprus | Not confirmed | Cyprus Securities and Exchange Commission (CySEC) MiCA CASP 549300ET4IUR6RCZOL84 |
| Lithuania | Not confirmed | LT_BL PSD_EMI LT_LT_BL_304940980 |
| United Kingdom | Not confirmed | |
| United States | SIPC SIPC member 51906 | Not confirmed |
Available in 1 country for both. Additional countries for Revolut: 28.
How they place
| Ranking | Betterment | Revolut |
|---|---|---|
| Savings | 56 of 1492 | 22 of 1492 |
| Savings accounts | 39 of 658 | 14 of 658 |
| Investing | 52 of 654 | 139 of 654 |
| Robo-advisors | 7 of 154 | 3 of 154 |
Every fact side by side
| Fact | Betterment | Revolut |
|---|---|---|
| Legal entity | MTG LLC | Revolut Digital Assets (Europe) Ltd |
| Headquarters | United States | Cyprus |
| Founded | 2008Lower | 2015 |
| Support channels | Phone, Email, Chat, Help centre | Chat, Email, Phone, Help centre |
Brokers
| Fact | Betterment | Revolut |
|---|---|---|
| Minimum deposit | $10 | £0 |
| Account fee | $0 | Not confirmed |
| Markets | Stocks, ETFs, Bonds | Not confirmed |
| Features | Not confirmed | Multi currency, Virtual card, Travel |
| Pricing model | No monthly fee | No monthly fee |
| Currency conversion fee | Not confirmed | 0% to 2% |
| Deposit and withdrawal fees | No fees | Not confirmed |
| Interest on cash | 3.5% | Not confirmed |
Savings
| Fact | Betterment | Revolut |
|---|---|---|
| Headline rate | 3.5% | 4%Higher |
| Rate type | Variable | Variable |
| Deposit protection | FDIC up to USD 250,000 | FSCS up to GBP 85,000 |
| Access terms | Cash Reserve: no minimum balance ($10 minimum deposit), unlimited withdrawals, sweep cash held at FDIC-insured program banks up to $8M (joint) | Instant access via the Revolut app, fee-free withdrawals, no withdrawal limits |
| Monthly fee | $0 | £0 |
| Account kind | Cash management | Easy access |
Crypto exchanges
| Fact | Betterment | Revolut |
|---|---|---|
| Taker fee | Not confirmed | 0.09% |
| Coins listed | Not confirmed | 200 to 230 |
| Fiat deposit methods | Not confirmed | Card, Bank |
| Maker fee | Not confirmed | 0% |
| Withdrawal fee | Not confirmed | network fee plus service fee |
| Derivatives | Not confirmed | No |
| Exchange type | Not confirmed | Cex |
Credit cards
| Fact | Betterment | Revolut |
|---|---|---|
| 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 |
Loans
| Fact | Betterment | Revolut |
|---|---|---|
| Loan types | Not confirmed | Personal |
Where each stands against the rest
| Fact | Betterment | Revolut | Median |
|---|---|---|---|
| Management fee | 0.25%below the median | 0%lowest quarter | 0.35% |
| Minimum investment | $10below the median | Not confirmed | $500 |
Median across 86 listed providers.
Pros and cons
Betterment
Pros
- A single app holds a managed portfolio and a cash sweep paying a variable 3.5%.
- The management fee of 0.25% sits under the site median management fee of 0.35%.
- The monthly fee is $0 and the minimum deposit is $10, so an account that is opened and left alone carries no standing charge.
Cons
- Cash pays a variable rate of 3.5%, so the income from the sweep can be cut without warning.
- Betterment ranks 18 of 49 on management fee, so cheaper robo-advice sits on the same list.
- Account types cover ira and roth ira, which rules out a UK ISA or workplace pension wrapper for most UK readers.
Revolut
Pros
- The debit account has a monthly fee of £0 and a free ATM allowance of £200.
- Savings offer instant access through the Revolut app, fee-free withdrawals and no withdrawal limits.
- The debit card includes multi-currency, virtual-card and travel features.
Cons
- Currency conversion fees can reach 0% to 2%, which may add cost when travelling or spending abroad.
- Crypto withdrawals carry network fee plus service fee.
- The savings rate is variable at variable, so the headline return may change.
Who each suits
Betterment
Who it suits
- US savers who want automated investing and a variable cash yield handled from the same app.
- First-time investors who can begin from a minimum investment of $10 without a large opening balance.
- Retirement savers who want a traditional or Roth IRA built around automatic contributions.
Who should look elsewhere
- eToro, if you would rather choose individual markets yourself, since the portfolio options here are etf, esg and cash.
- Axos Invest, whose minimum investment of $100 suits readers who want a higher entry point and a managed portfolio.
- Empower Personal Dashboard, whose management fee is 0%, for readers who put the advisory charge ahead of a managed account with a cash sweep.
Revolut
Who it suits
- People who use Revolut for everyday spending and travel.
- Savings users wanting app-based easy access with fee-free withdrawals.
- Customers who want debit, credit, savings, investing and crypto services together.
Who should look elsewhere
- Wise users prioritising a lower stated currency conversion fee of 0.1%.
- Varo Believe Secured Credit Card users seeking a secured credit card rather than Revolut's debit and credit products.
- bunq users focused on comparing the stated monthly fee of €0 against Revolut's fee.
Current offers
Betterment
Current offer
Bonus
Invest and earn up to $2,000: up to $2,000
Terms apply; new customers only; open any individual investing account and make a deposit
Source, checked September 26, 2026
Bonus
0.75% APY boost on Cash Reserve: 0.75% APY boost, 4.25% variable APY on balances up to $1M
New clients with a qualifying deposit; guaranteed through February 15; base variable APY 3.50% as of 9/21/2026; $10 min deposit for base APY
Source, checked September 26, 2026
Discount code
Discounted mortgage rate through Rate partnership: up to 0.75% off
Via partnership with Rate; terms apply
Source, checked September 26, 2026
Country by country
| Country | Betterment | Revolut |
|---|---|---|
| Austria | No | Yes |
| Belgium | No | Yes |
| Bulgaria | No | Yes |
| Croatia | No | Yes |
| Cyprus | No | Yes |
| Czechia | No | Yes |
| Denmark | No | Yes |
| Estonia | No | Yes |
8 of 29 countries where either is available.
Questions about each
Betterment
What does Betterment charge to run an account?+
Two figures matter. The management fee is 0.25%, charged on the portfolio, and the monthly fee is $0, with an account fee of $0. Taking money in and out carries nothing, with the deposit and withdrawal fee reading No fees. Over a year the management fee is the line that reduces the balance, since nothing else here charges for holding the account open.
How much do I need to open an account and start investing?+
The minimum investment is $10 and the minimum deposit for the cash side is $10. The site median minimum deposit is €0.88 and the median minimum investment is €25, so the floor here sits inside the normal range rather than at either extreme. Neither figure asks for a large opening balance.
Revolut
What is Revolut's debit card monthly fee?+
Revolut's debit account has a monthly fee of £0. The card is a debit card on the Visa network, with multi-currency, virtual-card and travel features included in the stated offer.
How much can I withdraw from Revolut ATMs?+
The stated free ATM allowance is £200. Revolut is ranked 15 for this measure among 124 listed brands.
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Revolut
Betterment