Updated October 21, 2026 · SumCue Editorial Team
Plum vs Revolut UK
Revolut UK
Higher score in this comparison
Plum
Where Plum and Revolut UK differ
| Compare | PlumReviewSee alternativesSee alternatives | Revolut UKReviewVisitVisit |
|---|---|---|
| Minimum deposit | £2 | £0Lower |
| 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, Lisa | ISA, Joint |
| Stock trade fee | £0 | Not confirmed |
| Account fee | £0 | Not confirmed |
| Markets | Stocks, ETFs, Funds | Not confirmed |
| Currency conversion fee | Not confirmed | 0% to 2% |
| Platforms | 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
- Revolut UK scores higher overall: 9.4 vs 8.9.
- Regulators: only Plum offers Financial Conduct Authority.
- Regulators: only Revolut UK offers Cyprus Securities and Exchange Commission (CySEC), LT BL, SIPC.
- Founded is lower at Revolut UK: 2015 vs 2016.
- Minimum deposit is lower at Revolut UK: £0 vs £2.
- Account types: only Plum offers SIPP, Lisa.
- Account types: only Revolut UK offers Joint.
- Support channels: only Revolut UK offers Chat, Phone.
- Features: only Plum offers Fractional shares, Mobile app.
- Features: only Revolut UK offers Multi currency, Virtual card, Travel.
Our verdict on each
Plum
Plum suits beginners in the UK who want to start small and pay nothing to deal, with a minimum deposit of £2. The trade-off is a short market list, confined to stocks, etfs and funds, and an overall score of 6.5 that leaves the case resting on price rather than choice.
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 | Plum | Revolut UK |
|---|---|---|
| Cost | 9.3Costs are the strongest suit: account fee £0, stock trade fee £0, management fee 0.15% to 0.6%. | 9.7Higher |
| Offer | 8.9 | 9.5Higher |
| Trust | 8.5 | 9.1Higher |
Positions in our rankings
| Ranking | Plum | Revolut UK |
|---|---|---|
| Savings | 563 of 1492 | 46 of 1492 |
| Savings accounts | 372 of 658 | 32 of 658 |
| Investing | 243 of 654 | 50 of 654 |
| Robo-advisors | 68 of 154 | 5 of 154 |
| Stocks and shares ISAs | 9 of 25 | 3 of 25 |
Where each is licensed and available
| Country | Plum | Revolut UK |
|---|---|---|
| Cyprus | Not confirmed | Cyprus Securities and Exchange Commission (CySEC) MiCA CASP 549300ET4IUR6RCZOL84 |
| Lithuania | Not confirmed | LT_BL PSD_EMI LT_LT_BL_304940980 |
| United States | Not confirmed | SIPC SIPC member 70365 |
Every fact side by side
| Fact | Plum | Revolut UK |
|---|---|---|
| Features | Fractional shares, Mobile app | Multi currency, Virtual card, Travel |
| Pricing model | Commission free | No annual fee |
| Audience | Beginners | Not confirmed |
| Legal entity | Plum Fintech Limited | Revolut Digital Assets (Europe) Ltd |
| Headquarters | United Kingdom | Cyprus |
| Founded | 2016 | 2015Lower |
| Support channels | Email, Help centre | Email, Chat, Phone, Help centreCovers more |
Savings
| Fact | Plum | Revolut UK |
|---|---|---|
| Headline rate | 3.05% to 3.65% | 4%Higher |
| Rate type | Variable | Variable |
| Deposit protection | FSCS up to GBP 85,000 | FSCS up to GBP 85,000 |
| Access terms | Same day access, no lock-in, no notice period | Instant access via the Revolut app, fee-free withdrawals, no withdrawal limits |
| Monthly fee | £0 | £0 |
| Account kind | Easy access | Easy access |
Robo-advisors
| Fact | Plum | Revolut UK |
|---|---|---|
| Management fee | 0.15% to 0.6% | 0%Lower |
| Minimum investment | £1 | Not confirmed |
| Portfolio types | ETF, Cash | ETF, Cash, CryptoCovers more |
Credit cards
| Fact | Plum | 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 | Plum | 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 | Plum | Revolut UK | Median |
|---|---|---|---|
| Minimum deposit | £2below the median | £0lowest quarter | £15 |
| Stock trade fee | £0at the median | Not confirmed | £0 |
| Account fee | £0at the median | Not confirmed | £0 |
| Currency conversion fee | Not confirmed | 0% to 2%below the median | 0.4 |
Median across 77 listed providers.
Pros and cons
Plum
Pros
- Fractional shares are offered, so £2 is enough to hold a slice of a company rather than whole shares.
- Eligible money is covered by the protection scheme, with the ceiling given as FSCS up to GBP 85,000.
- The account types cover isa, sipp and lisa, so investing, retirement saving and a home deposit pot sit with the same provider.
Cons
- Markets stop at stocks, etfs and funds, so there is no dealing in listed bonds, overseas currency or crypto through the account.
- Help runs on email and help centre only, so a stuck withdrawal or transfer has no phone route.
- Managed portfolios charge 0.15% to 0.6%, which takes a slice from every pot you hand over.
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
Plum
Who it suits
- Beginners in the UK who want to begin with £2 and see share dealing in plain terms.
- Investors building an ISA or pension habit on a phone, since access runs through Mobile app.
- Anyone happy with a market list of stocks, etfs and funds for a starter portfolio.
Who should look elsewhere
- eToro is the place to check if the market list here, stocks, etfs and funds, is too tight for what you want to trade.
- bunq if you are starting from a €10 minimum rather than buying shares.
- cfi if you want no minimum deposit, since its floor is $0 against £2 here.
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 | Plum | Revolut UK |
|---|---|---|
| United Kingdom | Yes | No |
Questions about each
Plum
What does it cost to trade and hold with Plum?+
Dealing is commission-free and the stock trade fee is listed as £0. The account fee is £0 and the monthly subscription is £0, so holding an account costs nothing. Managed portfolios are the exception, charging 0.15% to 0.6% on the money you put into them. That covers the charging picture on the investment side.
Is my money protected if something goes wrong?+
Eligible investments sit under the protection scheme, and the stated ceiling is given as FSCS up to GBP 85,000. Cash held in the app is listed the same way under FSCS up to GBP 85,000. The figure is a limit rather than a promise of returns, and it applies to eligible money rather than to every balance on the account. Read the terms for the eligibility conditions before you rely on it.
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
Plum