Updated September 28, 2026 · SumCue Editorial Team
Fidelity vs Revolut
Revolut
Fidelity
Higher score in this comparison
Fidelity vs Revolut: the differences
| Compare | FidelityReviewSee alternativesSee alternatives | RevolutReviewVisitVisit |
|---|---|---|
| Regulators | SEC, FINRA, 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, Joint | ISA, Joint |
| Portfolio types | ETF, ESG, Crypto | ETF, Cash, Crypto |
| Management fee | Not confirmed | 0% |
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
- Fidelity scores higher overall: 9.5 vs 9.2.
- Regulators: only Fidelity offers SEC, FINRA, SIPC.
- Regulators: only Revolut offers Cyprus Securities and Exchange Commission (CySEC), LT BL.
- Founded is lower at Fidelity: 1946 vs 2015.
- Revolut is licensed in 2 more countries.
- Revolut is available in 28 more countries.
- Account types: only Fidelity offers IRA, Roth IRA.
- Account types: only Revolut offers ISA.
- Portfolio types: only Fidelity offers ESG.
- Portfolio types: only Revolut offers Cash.
Our verdict on each
Fidelity
Fidelity suits US investors who want a broad brokerage without a monthly charge, and its stock trade fee and minimum deposit both sit at $0 and $0. The catch is the wider set of charges around the edges, and support that runs on phone and community.
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 | Fidelity | Revolut |
|---|---|---|
| Cost | 9.1Stock trade fee $0 and account fee $0, offset by options at $0.65 and margin at 12.375%. | 9.4HigherThe debit account has a monthly fee of £0, while its currency conversion fee is 0% to 2%. |
| Offer | 9.5 | 9.8HigherThe offer includes multi-currency, virtual-card and travel features, plus a headline savings rate of 4%. |
| Trust | 9.8Higher | 8.5 |
What each covers
| Portfolio types | Fidelity | Revolut |
|---|---|---|
| ETF | Yes | Yes |
| ESG | Yes | No |
| Cash | No | Yes |
| Crypto | Yes | Yes |
| Account types | Fidelity | Revolut |
|---|---|---|
| ISA | No | Yes |
| IRA | Yes | No |
| Roth IRA | Yes | No |
| Joint | Yes | Yes |
Where each is licensed and available
| Country | Fidelity | 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 23292 | Not confirmed |
Available in 1 country for both. Additional countries for Revolut: 28.
How they place
| Ranking | Fidelity | Revolut |
|---|---|---|
| Investing | 62 of 654 | 139 of 654 |
| Robo-advisors | 11 of 154 | 3 of 154 |
Every fact side by side
| Fact | Fidelity | Revolut |
|---|---|---|
| Legal entity | FIDELITY BROKERAGE SERVICES LLC | Revolut Digital Assets (Europe) Ltd |
| Headquarters | United States | Cyprus |
| Founded | 1946Lower | 2015 |
| Support channels | Phone, Community | Chat, Email, Phone, Help centre |
Crypto exchanges
| Fact | Fidelity | Revolut |
|---|---|---|
| Taker fee | Not confirmed | 0.09% |
| Coins listed | Not confirmed | 200 to 230 |
| Fiat deposit methods | Not confirmed | Card, Bank |
| Features | Fractional shares, Demo account, Mobile app, Crypto, Options, Futures | Multi currency, Virtual card, Travel |
| Maker fee | Not confirmed | 0% |
| Withdrawal fee | Not confirmed | network fee plus service fee |
| Derivatives | Not confirmed | No |
| Exchange type | Not confirmed | Cex |
Savings
| Fact | Fidelity | Revolut |
|---|---|---|
| Headline rate | Not confirmed | 4% |
| Rate type | Not confirmed | Variable |
| Minimum deposit | $0 | £0 |
| Deposit protection | Not confirmed | FSCS up to GBP 85,000 |
| Pricing model | Commission free | No monthly fee |
| 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 |
Credit cards
| Fact | Fidelity | Revolut |
|---|---|---|
| Annual fee | Not confirmed | €0 |
| APR | Not confirmed | 13.34% to 17.99% |
| Currency conversion fee | Not confirmed | 0% to 2% |
| Rewards type | Not confirmed | Points |
| Rewards rate | Not confirmed | 1.5 points per EUR1 |
| Card kind | Not confirmed | Credit |
| Audience | Beginners, Experienced | Not confirmed |
Loans
| Fact | Fidelity | Revolut |
|---|---|---|
| Loan types | Not confirmed | Personal |
Where each stands against the rest
| Fact | Fidelity | Revolut | Median |
|---|---|---|---|
| Management fee | Not confirmed | 0%lowest quarter | 0.35% |
Median across 86 listed providers.
Pros and cons
Fidelity
Pros
- Stock trades cost $0 and the account fee is $0
- Minimum deposit is $0, so accounts open at any size
- Regulated in the US by SEC, FINRA and SIPC
Cons
- Options trades are charged $0.65 per contract
- Support runs on phone and community only
- Margin borrowing starts at 12.375%, so leverage carries its own cost
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
Fidelity
Who it suits
- Beginners opening a first account with a small deposit
- Experienced traders who want a wide market list in one place
- Retirement savers using the available retirement account types
Who should look elsewhere
- Anyone wanting a broker with no product charges, since options cost $0.65
- Support-first users, as help runs on phone and community
- People who borrow on margin, where the rate starts at 12.375%
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.
Country by country
| Country | Fidelity | 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
Fidelity
What does it cost to trade stocks at Fidelity?+
Trading stocks costs $0 per trade, on a commission-free model. The account fee is also $0, so there is nothing to pay for holding an account open. Options and margin are the exceptions, and both are priced separately.
Is there a minimum deposit to open an account?+
The minimum deposit is $0, so there is no floor to meet before you can start. Small sums can go in from the beginning. Account types include a retirement account, a Roth retirement account and a joint account.
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
Fidelity