Updated October 17, 2026 · SumCue Editorial Team
Moneyfarm vs Revolut UK
Revolut UK
Higher score in this comparison
Moneyfarm
Where Moneyfarm and Revolut UK differ
| Compare | MoneyfarmReviewSee alternativesSee alternatives | Revolut UKReviewVisitVisit |
|---|---|---|
| Management fee | 0.1% to 0.45% | 0%Lower |
| Regulators | Financial Conduct Authority | Cyprus Securities and Exchange Commission (CySEC), LT BL, SIPC |
| Investor protection | FSCS up to GBP 85,000 | EU ICS up to EUR 20,000 |
| Account types | ISA, SIPP | ISA, Joint |
| Portfolio types | ETF, ESG, Cash, CryptoCovers more | ETF, Cash, Crypto |
| Minimum investment | £500 | Not confirmed |
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Key differences
- Revolut UK scores higher overall: 9.4 vs 9.1.
- Regulators: only Moneyfarm offers Financial Conduct Authority.
- Regulators: only Revolut UK offers Cyprus Securities and Exchange Commission (CySEC), LT BL, SIPC.
- Revolut UK is licensed in 2 more countries.
- Management fee is lower at Revolut UK: 0% vs 0.1% to 0.45%.
- Account types: only Moneyfarm offers SIPP.
- Account types: only Revolut UK offers Joint.
- Portfolio types: only Moneyfarm offers ESG.
Our verdict on each
Moneyfarm
Moneyfarm suits UK savers who want a managed portfolio or a Cash ISA under one brand, and it charges a management fee of 0.1% to 0.45% rather than nothing. The trade-off is a £500 starting amount and a £3.95 charge on stock trades.
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 | Moneyfarm | Revolut UK |
|---|---|---|
| Cost | 9.2A management fee of 0.1% to 0.45% a year plus £3.95 per stock trade, while the site median is 0.35%. | 9.7Higher |
| Offer | 9.7Higher | 9.5 |
| Trust | 8.7 | 9.1Higher |
Cost in a real example
10,000 invested for a year
Moneyfarm
10 to 45
0.1% to 0.45% of 10,000
Revolut UK
0
0% of 10,000
Revolut UK comes out 10 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.
What each covers
| Portfolio types | Moneyfarm | Revolut UK |
|---|---|---|
| ETF | Yes | Yes |
| ESG | Yes | No |
| Cash | Yes | Yes |
| Crypto | Yes | Yes |
| Account types | Moneyfarm | Revolut UK |
|---|---|---|
| ISA | Yes | Yes |
| SIPP | Yes | No |
| Joint | No | Yes |
How they place
| Ranking | Moneyfarm | Revolut UK |
|---|---|---|
| Savings | 381 of 1492 | 46 of 1492 |
| Savings accounts | 254 of 658 | 32 of 658 |
| Investing | 172 of 654 | 50 of 654 |
| Robo-advisors | 46 of 154 | 5 of 154 |
| Stocks and shares ISAs | 6 of 25 | 3 of 25 |
Every fact side by side
| Fact | Moneyfarm | Revolut UK |
|---|---|---|
| Legal entity | MFM Investment Ltd | Revolut Digital Assets (Europe) Ltd |
| Headquarters | United Kingdom | Cyprus |
| Founded | Not confirmed | 2015 |
| Support channels | Email, Phone, Help centre, Chat | Email, Chat, Phone, Help centre |
Brokers
| Fact | Moneyfarm | Revolut UK |
|---|---|---|
| Minimum deposit | £500 | £0Lower |
| Stock trade fee | £3.95 | Not confirmed |
| Markets | Stocks, ETFs, Bonds, Funds | Not confirmed |
| Features | Not confirmed | Multi currency, Virtual card, Travel |
| Pricing model | No monthly fee | No annual fee |
| Currency conversion fee | 0.7% | 0% to 2%Lower |
| Deposit and withdrawal fees | Free deposits and withdrawals | Not confirmed |
Savings
| Fact | Moneyfarm | Revolut UK |
|---|---|---|
| Headline rate | 3.87% | 4%Higher |
| Rate type | Variable | Variable |
| Deposit protection | FSCS up to GBP 85,000 | FSCS up to GBP 85,000 |
| Access terms | Flexible Cash ISA: up to 3 withdrawals or transfers out per year, top up anytime | Instant access via the Revolut app, fee-free withdrawals, no withdrawal limits |
| Monthly fee | £0 | £0 |
| Account kind | ISA | Easy access |
Credit cards
| Fact | Moneyfarm | 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 | Moneyfarm | 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 | Moneyfarm | Revolut UK | Median |
|---|---|---|---|
| Management fee | 0.1% to 0.45%lowest quarter | 0%lowest quarter | 0.35 |
| Minimum investment | £500above the median | Not confirmed | £50 |
Median across 86 listed providers.
Pros and cons
Moneyfarm
Pros
- The monthly fee is £0, so there is no monthly account charge to plan around.
- The Cash ISA pays a variable rate of 3.87%, where the site median is 3%.
- Money in and out is listed as Free deposits and withdrawals, so no charge applies to funding or taking money out.
Cons
- Trading is a paid extra: a stock trade costs £3.95, where the median across the site is €0.
- The minimum investment of £500 sits well above the typical starting amount on the site, which is €25.
- The management fee of 0.1% to 0.45% runs every year, where eToro and Empower Personal Dashboard list fees of 0% and 0%.
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
Moneyfarm
Who it suits
- People who want a variable Cash ISA paying 3.87% alongside a managed portfolio, and who are comfortable with a management fee where eToro lists 0%.
- Investors holding £500 or more who want both ISA and SIPP options, with the minimum investment at Axos Invest set at $100.
- Readers who care more about a free monthly fee and free deposits than about a fee-free management platform, since Empower Personal Dashboard lists a management fee of 0%.
Who should look elsewhere
- Anyone who will not pay a management fee, since eToro and Empower Personal Dashboard list fees of 0% and 0%.
- People who need a smaller opening amount than £500, who may find the $100 minimum investment at Axos Invest a closer fit.
- Savers who want a rate locked for a term, since the Moneyfarm Cash ISA is variable and follows the market.
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.
Country by country
| Country | Moneyfarm | Revolut UK |
|---|---|---|
| Italy | Yes | No |
| United Kingdom | Yes | No |
Questions about each
Moneyfarm
What does Moneyfarm charge for managing my money?+
Moneyfarm charges a management fee of 0.1% to 0.45% a year on the ISA and SIPP accounts, which is the main ongoing cost. The monthly fee is £0, so there is no monthly account charge. eToro, by contrast, lists a management fee of 0%.
What rate does the Moneyfarm Cash ISA pay?+
The Cash ISA pays a headline rate of 3.87%, and the rate type is variable, so the figure tracks the market rather than being locked for a term. For context, the site median is 3% and the upper quartile is 4.15%.
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.
Other options to compare
Other matchups
Revolut UK
Moneyfarm