Updated September 28, 2026 · SumCue Editorial Team
Merrill Edge vs Revolut
Revolut
Merrill Edge
Higher score in this comparison
Where Merrill Edge and Revolut differ
| Compare | Merrill EdgeReviewSee alternativesSee alternatives | RevolutReviewVisitVisit |
|---|---|---|
| Management fee | 0.45% to 0.85% | 0%Lower |
| Regulators | FINRA, SEC | 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, Corporate | ISA, Joint |
| Portfolio types | ETF | ETF, Cash, CryptoCovers more |
| Minimum investment | $0 to $1,000 | Not confirmed |
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Key differences
- Merrill Edge scores higher overall: 9.5 vs 9.2.
- Regulators: only Merrill Edge offers FINRA, SEC.
- Regulators: only Revolut offers Cyprus Securities and Exchange Commission (CySEC), LT BL.
- Founded is lower at Merrill Edge: 1914 vs 2015.
- Revolut is licensed in 2 more countries.
- Revolut is available in 28 more countries.
- Management fee is lower at Revolut: 0% vs 0.45% to 0.85%.
- Account types: only Merrill Edge offers IRA, Roth IRA, Corporate.
- Account types: only Revolut offers ISA.
- Portfolio types: only Revolut offers Cash, Crypto.
Our verdict on each
Merrill Edge
Merrill Edge suits people who want to trade US stocks and ETFs with no commission and no monthly charge. It suits beginners and experienced investors who want a retirement, joint or corporate account, and the minimum deposit is $0 with a stock trade fee of $0.
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 | Merrill Edge | Revolut |
|---|---|---|
| Cost | 9.3Account fee $0, inactivity fee $0 and stock trade fee $0 are the lowest we rank. | 9.4HigherThe debit account has a monthly fee of £0, while its currency conversion fee is 0% to 2%. |
| Offer | 9.6 | 9.8HigherThe offer includes multi-currency, virtual-card and travel features, plus a headline savings rate of 4%. |
| Trust | 9.7Higher | 8.5 |
The bill, worked out
10,000 invested for a year
Merrill Edge
45 to 85
0.45% to 0.85% of 10,000
Revolut
0
0% of 10,000
Revolut comes out 45 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
How they place
| Ranking | Merrill Edge | Revolut |
|---|---|---|
| Investing | 66 of 654 | 139 of 654 |
| Robo-advisors | 12 of 154 | 3 of 154 |
Every fact side by side
| Fact | Merrill Edge | Revolut |
|---|---|---|
| Legal entity | Merrill Lynch, Pierce, Fenner and Smith Incorporated | Revolut Digital Assets (Europe) Ltd |
| Headquarters | United States | Cyprus |
| Founded | 1914Lower | 2015 |
| Support channels | Phone, Chat, Help centre, Email | Chat, Email, Phone, Help centre |
Crypto exchanges
| Fact | Merrill Edge | 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, Options | 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 | Merrill Edge | 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 | Merrill Edge | 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 | Merrill Edge | Revolut |
|---|---|---|
| Loan types | Not confirmed | Personal |
Where each stands against the rest
| Fact | Merrill Edge | Revolut | Median |
|---|---|---|---|
| Management fee | 0.45% to 0.85%above the median | 0%lowest quarter | 0.35 |
| Minimum investment | $0 to $1,000lowest quarter | Not confirmed | $500 |
Median across 86 listed providers.
Pros and cons
Merrill Edge
Pros
- Stock trades cost $0 and the account fee is $0.
- Nothing is charged for inactivity, at $0, and the minimum deposit is $0.
- Fractional shares, a demo account, a mobile app and options are all available.
Cons
- Options carry a fee of $0.65, so the commission-free deal stops at derivatives.
- The advisory side adds a management fee of 0.45% to 0.85% and a minimum investment of $0 to $1,000.
- Most retail accounts lose money, 72.05% on this ranking, so low charges say nothing about how the portfolio performs.
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
Merrill Edge
Who it suits
- First-time US share buyers using fractional shares and a demo account.
- Experienced investors who want options and a mobile app in one place.
- Anyone saving into an IRA, Roth IRA, joint or corporate account.
Who should look elsewhere
- Traders after forex, CFDs or crypto: CFI covers stocks, etfs and forex.
- Savers wanting a bank balance, since bunq personal plans start from a minimum deposit of €10.
- Borrowing rather than investing, as Fiesta Credito MX answers to CONDUSEF.
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
Merrill Edge
Current offer
First period offer
$0 program fee for 6 months - Merrill Guided Investing: $0 for 6 months
New enrollments, use offer code 6FREE
Source, checked September 26, 2026
Country by country
| Country | Merrill Edge | 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
Merrill Edge
What does it cost to hold a Merrill Edge account?+
The account fee is $0 and the inactivity fee is $0, so there is no monthly charge for keeping the account open. Costs appear in the products you pick, such as the options fee of $0.65, rather than in the account itself.
Is stock trading really commission free?+
Stock trades carry a fee of $0 and the pricing model is commission-free, so buying shares and ETFs in the usual way adds nothing per trade. Options are charged at $0.65, and the spread you receive can still widen as prices move.
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
Merrill Edge