Updated October 17, 2026 · SumCue Editorial Team
Merrill Edge vs Revolut UK
Revolut UK
Merrill Edge
Higher score in this comparison
Where Merrill Edge and Revolut UK differ
| Compare | Merrill EdgeReviewSee alternativesSee alternatives | Revolut UKReviewVisitVisit |
|---|---|---|
| Minimum deposit | $0 | £0 |
| Regulators | FINRA, SEC | 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, Joint, Corporate | ISA, Joint |
| Stock trade fee | $0 | Not confirmed |
| Account fee | $0 | Not confirmed |
| Inactivity fee | $0 | Not confirmed |
| Markets | Stocks, ETFs, Options, Bonds, Funds | Not confirmed |
| Currency conversion fee | Not confirmed | 0% to 2% |
| Options contract fee | $0.65 | Not confirmed |
| Platforms | Merrill Edge website, Merrill Edge MarketPro, Merrill mobile app | 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
- Merrill Edge scores higher overall: 9.5 vs 9.4.
- Regulators: only Merrill Edge offers FINRA, SEC.
- Regulators: only Revolut UK offers Cyprus Securities and Exchange Commission (CySEC), LT BL, SIPC.
- Founded is lower at Merrill Edge: 1914 vs 2015.
- Revolut UK is licensed in 2 more countries.
- Account types: only Merrill Edge offers IRA, Roth IRA, Corporate.
- Account types: only Revolut UK offers ISA.
- Features: only Merrill Edge offers Fractional shares, Demo account, Mobile app.
- Features: only Revolut UK offers Multi currency, Virtual card, Travel.
- Pricing model: only Merrill Edge offers Commission free.
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 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 | Merrill Edge | Revolut UK |
|---|---|---|
| Cost | 9.3Account fee $0, inactivity fee $0 and stock trade fee $0 are the lowest we rank. | 9.7Higher |
| Offer | 9.6Higher | 9.5 |
| Trust | 9.7Higher | 9.1 |
Which one suits you
Pick Merrill Edge if trust matter most.
Pick Revolut UK if cost matter most.
Availability and regulation
| Country | Merrill Edge | Revolut UK |
|---|---|---|
| United States | SIPC SIPC member 70365 | |
| Cyprus | Not confirmed | Cyprus Securities and Exchange Commission (CySEC) MiCA CASP 549300ET4IUR6RCZOL84 |
| Lithuania | Not confirmed | LT_BL PSD_EMI LT_LT_BL_304940980 |
Where these facts come from
Merrill Edge
- merrilledge.com: 16 facts, checked September 26, 2026
- en.wikipedia.org: 1 fact, checked September 26, 2026
Revolut UK
- revolut.com: 5 facts, checked September 26, 2026
- esma.europa.eu: 4 facts, checked September 26, 2026
- moneytothemasses.com: 2 facts, checked September 26, 2026
How they place
| Ranking | Merrill Edge | Revolut UK |
|---|---|---|
| Investing | 66 of 654 | 50 of 654 |
| Robo-advisors | 12 of 154 | 5 of 154 |
Every fact side by side
| Fact | Merrill Edge | Revolut UK |
|---|---|---|
| Features | Fractional shares, Demo account, Mobile app, Options | Multi currency, Virtual card, Travel |
| Pricing model | Commission free | No annual fee |
| Audience | Beginners, Experienced | Not confirmed |
| 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 | Email, Chat, Phone, Help centre |
Robo-advisors
| Fact | Merrill Edge | Revolut UK |
|---|---|---|
| Management fee | 0.45% to 0.85% | 0%Lower |
| Minimum investment | $0 to $1,000 | Not confirmed |
| Portfolio types | ETF | ETF, Cash, CryptoCovers more |
Credit cards
| Fact | Merrill Edge | 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 |
Savings
| Fact | Merrill Edge | Revolut UK |
|---|---|---|
| Headline rate | Not confirmed | 4% |
| Rate type | Not confirmed | Variable |
| Deposit protection | Not confirmed | FSCS up to GBP 85,000 |
| 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 |
Debit cards
| Fact | Merrill Edge | 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 | Merrill Edge | Revolut UK | Median |
|---|---|---|---|
| Stock trade fee | $0at the median | Not confirmed | $0 |
| Account fee | $0at the median | Not confirmed | $0 |
| Inactivity fee | $0at the median | Not confirmed | $0 |
| Currency conversion fee | Not confirmed | 0% to 2%below the median | 0.4 |
| Options contract fee | $0.65at the median | Not confirmed | $0.65 |
Median across 94 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 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
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 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
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 UK |
|---|---|---|
| United States | Yes | No |
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 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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Merrill Edge