Updated October 17, 2026 · SumCue Editorial Team
Revolut UK vs Trading 212
Revolut UK
Higher score in this comparison
Trading 212
Revolut UK vs Trading 212: the differences
| Compare | Revolut UKReviewVisitVisit | Trading 212ReviewSee alternativesSee alternatives |
|---|---|---|
| Minimum deposit | £0Lower | £1 |
| Regulators | Cyprus Securities and Exchange Commission (CySEC), LT BL, SIPC | Financial Conduct Authority, Cyprus Securities and Exchange Commission, Cyprus Securities and Exchange Commission (CySEC) |
| Investor protection | EU ICS up to EUR 20,000 | FSCS up to GBP 85,000 |
| Account types | ISA, Joint | ISA, SIPP, JointCovers more |
| Stock trade fee | Not confirmed | £0 |
| Account fee | Not confirmed | £0 |
| Inactivity fee | Not confirmed | £0 |
| Markets | Not confirmed | Stocks, ETFs, Forex, CFDs |
| Currency conversion fee | 0% to 2% | Not confirmed |
| Platforms | Not confirmed | Trading 212 App, Web Platform |
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 9.3.
- Regulators: only Revolut UK offers LT BL, SIPC.
- Regulators: only Trading 212 offers Financial Conduct Authority, Cyprus Securities and Exchange Commission.
- Founded is lower at Trading 212: 2006 vs 2015.
- Revolut UK is licensed in 1 more country.
- Minimum deposit is lower at Revolut UK: £0 vs £1.
- Account types: only Trading 212 offers SIPP.
- Support channels: only Revolut UK offers Email, Chat, Phone.
- Features: only Revolut UK offers Multi currency, Virtual card, Travel.
- Features: only Trading 212 offers Fractional shares, Demo account, Mobile app.
Our verdict on each
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.
Trading 212
Trading 212 suits UK beginners who want to start small and pay nothing to hold or trade. Stock trades cost £0, the account fee is £0, deposits start at £1, and help runs through help centre only, with no phone or chat route for anyone who needs a person.
Score breakdown
| Area | Revolut UK | Trading 212 |
|---|---|---|
| Cost | 9.7Higher | 9.3Stock trade fee of £0 and account fee of £0, with no inactivity charge of £0 and a minimum deposit of £1. |
| Offer | 9.5Higher | 8.9 |
| Trust | 9.1 | 9.4Higher |
Side by side, item by item
| Account types | Revolut UK | Trading 212 |
|---|---|---|
| ISA | Yes | Yes |
| SIPP | No | Yes |
| Joint | Yes | Yes |
Licences and countries
| Country | Revolut UK | Trading 212 |
|---|---|---|
| Cyprus | Cyprus Securities and Exchange Commission (CySEC) MiCA CASP 549300ET4IUR6RCZOL84 | Cyprus Securities and Exchange Commission (CySEC) MiCA CASP 21380045KC28948FNE32 |
| Lithuania | LT_BL PSD_EMI LT_LT_BL_304940980 | Not confirmed |
| United Kingdom | Not confirmed | |
| United States | SIPC SIPC member 70365 | Not confirmed |
Which one suits you
Pick Revolut UK if cost, offer, and minimum deposit matter most.
Pick Trading 212 if trust and account types matter most.
Sources behind this comparison
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
Trading 212
- en.wikipedia.org: 13 facts, checked September 26, 2026
- esma.europa.eu: 2 facts, checked September 26, 2026
- helpcentre.trading212.com: 1 fact, checked September 26, 2026
How they place
| Ranking | Revolut UK | Trading 212 |
|---|---|---|
| Savings | 46 of 1492 | 241 of 1492 |
| Savings accounts | 32 of 658 | 166 of 658 |
| Investing | 50 of 654 | 110 of 654 |
| Stocks and shares ISAs | 3 of 25 | 4 of 25 |
Every fact side by side
| Fact | Revolut UK | Trading 212 |
|---|---|---|
| Features | Multi currency, Virtual card, Travel | Fractional shares, Demo account, Mobile app |
| Pricing model | No annual fee | Commission free |
| Audience | Not confirmed | Beginners |
| Legal entity | Revolut Digital Assets (Europe) Ltd | Trading 212 Markets Ltd |
| Headquarters | Cyprus | Cyprus |
| Founded | 2015 | 2006Lower |
| Support channels | Email, Chat, Phone, Help centreCovers more | Help centre |
Credit cards
| Fact | Revolut UK | Trading 212 |
|---|---|---|
| Annual fee | €0 | Not confirmed |
| APR | 13.34% to 17.99% | Not confirmed |
| Rewards type | Points | Not confirmed |
| Rewards rate | 1.5 points per EUR1 | Not confirmed |
| Card kind | Credit | Not confirmed |
Savings
| Fact | Revolut UK | Trading 212 |
|---|---|---|
| Headline rate | 4% | Not confirmed |
| Rate type | Variable | Variable |
| Deposit protection | FSCS up to GBP 85,000 | FSCS up to GBP 85,000 |
| Access terms | Instant access via the Revolut app, fee-free withdrawals, no withdrawal limits | Flexible Cash ISA with instant access; withdraw and add money at any time, interest paid monthly |
| Monthly fee | £0 | Not confirmed |
| Account kind | Easy access | ISA |
Debit cards
| Fact | Revolut UK | Trading 212 |
|---|---|---|
| Free ATM withdrawals | £200 | Not confirmed |
| Card type | Debit | Not confirmed |
| Card network | Visa | Not confirmed |
| Currencies | 160 | Not confirmed |
Robo-advisors
| Fact | Revolut UK | Trading 212 |
|---|---|---|
| Management fee | 0% | Not confirmed |
| Portfolio types | ETF, Cash, Crypto | Not confirmed |
Where each stands against the rest
| Fact | Revolut UK | Trading 212 | Median |
|---|---|---|---|
| Minimum deposit | £0lowest quarter | £1below the median | £15 |
| Stock trade fee | Not confirmed | £0at the median | £0 |
| Account fee | Not confirmed | £0at the median | £0 |
| Currency conversion fee | 0% to 2%below the median | Not confirmed | 0.4 |
Median across 77 listed providers.
Pros and cons
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.
Trading 212
Pros
- Stock trades cost £0 and the account fee is £0, so holding a portfolio costs nothing
- The inactivity fee is £0, so a dormant account is not quietly charged
- The minimum deposit is £1, far below the €10 bunq asks
Cons
- Support runs on help centre only, so there is no live phone or chat route
- Trading 212 Markets Ltd is authorised by the Cyprus Securities and Exchange Commission on MiCA CASP 21380045KC28948FNE32, so the Financial Conduct Authority is not the only supervisor involved
- Markets cover stocks, etfs and forex, which leaves funds, bonds and options outside the range offered here
Who each suits
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.
Trading 212
Who it suits
- Beginners opening a first UK investing account
- Savers who want tax-free cash in a flexible Cash ISA
- Small regular investors using fractional shares in small amounts
Who should look elsewhere
- Anyone who wants a phone line, since support runs on help centre only
- Readers wanting a lower entry amount than £1, since CFI asks $0
Questions about each
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.
Trading 212
How much does it cost to open and hold an account?+
The account fee is £0 and the stock trade fee is £0, so there is no charge to hold or to trade. It ranks 1 of 142 on account fee in our data. The only other cost line recorded is the inactivity fee at £0.
What is the smallest amount I can start with?+
The minimum deposit is £1, which puts the entry point low. That ranks 83 of 218 on our minimum deposit data. For comparison, bunq asks a minimum deposit of €10, so Trading 212 asks less of a first deposit than bunq does.
Other options to compare
Other matchups
Revolut UK
Trading 212