Updated October 17, 2026 · SumCue Editorial Team
Betterment vs Revolut UK
Revolut UK
Betterment
Higher score in this comparison
What sets them apart
| Compare | BettermentReviewSee alternativesSee alternatives | Revolut UKReviewVisitVisit |
|---|---|---|
| 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, SIPC |
| Investor protection | SIPC up to USD 500,000 | EU ICS up to EUR 20,000 |
| 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 9.4.
- Regulators: only Betterment offers U.S. Securities and Exchange Commission (SEC) registered investment adviser, Financial Industry Regulatory Authority (FINRA) Betterment Securities broker dealer member.
- Regulators: only Revolut UK offers Cyprus Securities and Exchange Commission (CySEC), LT BL.
- Founded is lower at Betterment: 2008 vs 2015.
- Revolut UK is licensed in 2 more countries.
- Management fee is lower at Revolut UK: 0% vs 0.25%.
- Account types: only Betterment offers IRA, Roth IRA.
- Account types: only Revolut UK 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 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 | Betterment | Revolut UK |
|---|---|---|
| Cost | 9.5Management fee of 0.25% ranks 18 of 49, and the account fee is $0. | 9.7Higher |
| Offer | 9.7Higher | 9.5 |
| Trust | 9.9Higher | 9.1 |
What each covers
| Portfolio types | Betterment | Revolut UK |
|---|---|---|
| ETF | Yes | Yes |
| ESG | Yes | No |
| Cash | Yes | Yes |
| Crypto | Yes | Yes |
| Account types | Betterment | Revolut UK |
|---|---|---|
| ISA | No | Yes |
| IRA | Yes | No |
| Roth IRA | Yes | No |
| Joint | No | Yes |
How they place
| Ranking | Betterment | Revolut UK |
|---|---|---|
| Savings | 56 of 1492 | 46 of 1492 |
| Savings accounts | 39 of 658 | 32 of 658 |
| Investing | 52 of 654 | 50 of 654 |
| Robo-advisors | 7 of 154 | 5 of 154 |
Every fact side by side
| Fact | Betterment | Revolut UK |
|---|---|---|
| Legal entity | MTG LLC | Revolut Digital Assets (Europe) Ltd |
| Headquarters | United States | Cyprus |
| Founded | 2008Lower | 2015 |
| Support channels | Phone, Email, Chat, Help centre | Email, Chat, Phone, Help centre |
Brokers
| Fact | Betterment | Revolut UK |
|---|---|---|
| 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 annual 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 UK |
|---|---|---|
| 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 |
Credit cards
| Fact | Betterment | 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 |
Debit cards
| Fact | Betterment | Revolut UK |
|---|---|---|
| Free ATM withdrawals | Not confirmed | £200 |
| Card type | Not confirmed | Debit |
| Card network | Not confirmed | Visa |
| Currencies | Not confirmed | 160 |
Where each stands against the rest
| Fact | Betterment | Revolut UK | 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 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
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 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.
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 UK |
|---|---|---|
| United States | Yes | No |
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 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.
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Revolut UK
Betterment