Updated September 28, 2026 · SumCue Editorial Team
Dodl vs Raisin
Dodl
Higher score in this comparison
Raisin
Dodl vs Raisin: the differences
| Compare | DodlReviewSee alternativesSee alternatives | RaisinReviewSee alternativesSee alternatives |
|---|---|---|
| Minimum deposit | £25Lower | £100 |
| Regulators | Financial Conduct Authority | Bezirksamt Friedrichshain Kreuzberg (financial investment intermediary register, registration D F 107 QQ43 76) |
| Investor protection | FSCS up to GBP 85,000 | EU ICS up to EUR 20,000 |
| Account types | ISA, SIPP, LisaCovers more | ISA |
| Stock trade fee | £0 | Not confirmed |
| Account fee | Not confirmed | £0 |
| Markets | Stocks, ETFs, Funds | Not confirmed |
| Currency conversion fee | 0.75% | Not confirmed |
| Deposit and withdrawal fees | free deposits and withdrawals | Not confirmed |
| Platforms | Dodl app | Not confirmed |
| Interest on cash | 3.8% | Not confirmed |
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Key differences
- Regulators: only Dodl offers Financial Conduct Authority.
- Regulators: only Raisin offers Bezirksamt Friedrichshain Kreuzberg (financial investment intermediary register, registration D F 107 QQ43 76).
- Raisin is available in 9 more countries.
- Minimum deposit is lower at Dodl: £25 vs £100.
- Account types: only Dodl offers SIPP, Lisa.
- Support channels: only Dodl offers Chat.
- Support channels: only Raisin offers Phone.
- Pricing model: only Dodl offers Commission free, Low fees.
- Pricing model: only Raisin offers No monthly fee.
Our verdict on each
Dodl
Dodl suits UK beginners who want a low-cost way into markets without a dealing desk. It runs an ISA, SIPP and LISA in one app, charges £0 to trade shares, and answers to the Financial Conduct Authority with investor protection of FSCS up to GBP 85,000, so getting started is cheap.
Raisin
Raisin is a savings marketplace with an easy-access account, an ISA and no monthly charge, so it suits UK savers who want one place to hold cash. Its headline rate of 4.15% sits above the 3% median across the site, and the minimum deposit starts at £100.
Score breakdown
| Area | Dodl | Raisin |
|---|---|---|
| Cost | 8.9Higher | 8.8Account fee and monthly fee are £0 and £0, and the headline rate of 4.15% sits above the site median of 3%. |
| Offer | 9.2HigherA £25 entry point, 0.75% on currency conversion and commission free and low fees dealing across the ISA, SIPP and LISA. | 8.9 |
| Trust | 8.6 | 8.7Higher |
Availability and regulation
| Country | Dodl | Raisin |
|---|---|---|
| United Kingdom | Not confirmed |
Available in 1 country for both. Additional countries for Raisin: 9.
How they place
| Ranking | Dodl | Raisin |
|---|---|---|
| Investing | 268 of 654 | 280 of 654 |
| Stocks and shares ISAs | 10 of 25 | 12 of 25 |
Every fact side by side
| Fact | Dodl | Raisin |
|---|---|---|
| Features | Mobile app | Not confirmed |
| Pricing model | Commission free, Low fees | No monthly fee |
| Audience | Beginners | Not confirmed |
| Legal entity | AJ Bell | Raisin SE |
| Headquarters | Not confirmed | Germany |
| Founded | Not confirmed | 2012 |
| Support channels | Email, Chat, Help centre | Phone, Email, Help centre |
Savings
| Fact | Dodl | Raisin |
|---|---|---|
| Headline rate | Not confirmed | 4.15% |
| Rate type | Not confirmed | Variable |
| Deposit protection | Not confirmed | FSCS up to GBP 85,000 |
| Access terms | Not confirmed | Easy access savings account on the Raisin UK marketplace: top up and withdraw at your convenience, no fixed term |
| Monthly fee | Not confirmed | £0 |
| Account kind | Not confirmed | Easy access |
Robo-advisors
| Fact | Dodl | Raisin |
|---|---|---|
| Management fee | Not confirmed | 0% |
| Minimum investment | Not confirmed | $1 |
| Portfolio types | Not confirmed | Cash |
Where each stands against the rest
| Fact | Dodl | Raisin | Median |
|---|---|---|---|
| Minimum deposit | £25above the median | £100above the median | £15 |
| Stock trade fee | £0at the median | Not confirmed | £0 |
| Account fee | Not confirmed | £0at the median | £0 |
| Currency conversion fee | 0.75%above the median | Not confirmed | 0.4% |
| Interest on cash | 3.8%highest quarter | Not confirmed | 2.875% |
Median across 77 listed providers.
Pros and cons
Dodl
Pros
- Commission-free dealing: £0 to buy or sell shares, with free deposits and withdrawals either side of the balance.
- An ISA, SIPP and LISA sit alongside stocks, etfs and funds in a single app, so wrappers and dealing stay in one place.
- Regulated by the Financial Conduct Authority, with investor protection of FSCS up to GBP 85,000.
Cons
- Foreign exchange costs 0.75%, so currency conversion is the charge that bites anyone buying shares outside sterling.
- Help runs on email, chat and help centre, with no phone route among them, so a complex dispute has to be put in writing.
- The market list is stocks, etfs and funds, which leaves out bonds, commodities and currency pairs.
Raisin
Pros
- The account fee and monthly fee are £0 and £0, so holding cash costs nothing
- The headline rate of 4.15% is above the site median of 3%
- The account is easy access, so you can top up and withdraw with no fixed term
Cons
- Protection on investments is EU ICS up to EUR 20,000, well below the FSCS up to GBP 85,000 that covers savings
- The rate is variable, so the headline figure can move
- The minimum deposit of £100 is above the €0.88 median across the site
Who each suits
Dodl
Who it suits
- Beginners in the UK who want their first ISA or SIPP and do not want commission on a share dealing.
- Investors who keep a cash buffer alongside a portfolio and want interest on the part that is not invested.
- Pension savers who prefer one app for the SIPP, the ISA and the general account rather than several providers.
Who should look elsewhere
- Forex traders, who should look at CFI: it opens from a $0 minimum, and currency markets sit outside the stocks, etfs and funds on offer here.
- Anyone after a euro bank account rather than a UK wrapper: bunq's minimum deposit is €10, and that product sits outside the isa, sipp and lisa range here.
- Readers after credit rather than investments: Fiesta Credito MX is supervised by CONDUSEF, a different market from the Financial Conduct Authority's.
Raisin
Who it suits
- UK savers who want a variable rate and no monthly charge
- Anyone holding an ISA who values easy access over a fixed term
- Savers comfortable choosing a marketplace rather than a single bank's savings account
Who should look elsewhere
- Vantage or eToro readers who want to pick and trade investments rather than hold savings
- Vivid Plus readers who want a multi-currency account with a card
- Anyone whose balance sits above the protection on investments
Current offers
Raisin
Current offer
Bonus
Earn up to $1,000 cash bonus: up to $1,000
New customers only, qualifying balances, code STACK
Source, checked September 26, 2026
Country by country
| Country | Dodl | Raisin |
|---|---|---|
| Austria | No | Yes |
| Finland | No | Yes |
| France | No | Yes |
| Germany | No | Yes |
| Ireland | No | Yes |
| Netherlands | No | Yes |
| Poland | No | Yes |
| Spain | No | Yes |
8 of 10 countries where either is available.
Questions about each
Dodl
What does it cost to trade shares at Dodl?+
Dealing is commission free: £0 to buy or sell shares, and the same rate on the ISA, SIPP and LISA accounts. commission free and low fees describes the pricing. That dealing fee puts Dodl at position 1 of 166 brands ranked on stock trade fees on this site.
How much do I need to open an account?+
The minimum deposit is £25, low enough to start with a small amount and add to it later. On this site that ranks position 131 of 218 brands on minimum deposit, so it sits in the middle of the field rather than at the bottom of it.
Raisin
What rate does Raisin pay on its easy-access savings account?+
The easy-access account pays a variable rate of 4.15%. Because the rate type is variable, that figure can change, so the headline number is a starting point rather than a promise. The account carries no fixed term.
Is there any monthly or account fee at Raisin?+
No. The account fee is £0 and the monthly fee is £0, so there is no monthly charge on the easy-access account. The account kind is easy access, which suits a no monthly fee model.
Other options to compare
Other matchups
Dodl
Raisin