Updated October 17, 2026 · SumCue Editorial Team
Revolut UK vs Vanguard Investor UK
Revolut UK
Higher score in this comparison
Vanguard Investor UK
Revolut UK vs Vanguard Investor UK: the differences
| Compare | Revolut UKReviewVisitVisit | Vanguard Investor UKReviewSee alternativesSee alternatives |
|---|---|---|
| Minimum deposit | £0Lower | £500 |
| Regulators | Cyprus Securities and Exchange Commission (CySEC), LT BL, SIPC | Financial Conduct Authority (FCA) |
| Investor protection | EU ICS up to EUR 20,000 | FSCS up to GBP 85,000 |
| Account types | ISA, Joint | ISA, SIPP, Jisa |
| Account fee | Not confirmed | £48 |
| Markets | Not confirmed | ETFs, Funds |
| Currency conversion fee | 0% to 2% | 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 8.8.
- Regulators: only Revolut UK offers Cyprus Securities and Exchange Commission (CySEC), LT BL, SIPC.
- Regulators: only Vanguard Investor UK offers Financial Conduct Authority (FCA).
- Founded is lower at Vanguard Investor UK: 1975 vs 2015.
- Revolut UK is licensed in 2 more countries.
- Minimum deposit is lower at Revolut UK: £0 vs £500.
- Account types: only Revolut UK offers Joint.
- Account types: only Vanguard Investor UK offers SIPP, Jisa.
- Support channels: only Revolut UK offers Email, Chat, Help centre.
- Pricing model: only Revolut UK offers No annual fee.
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.
Vanguard Investor UK
Vanguard Investor UK is a low-cost, fund-first platform for beginners, charging a management fee of 0.2% a year on ISA, SIPP and JISA accounts. It suits savers who want a set-and-forget portfolio, though the account fee of £48 makes it weaker for those who trade in small, frequent amounts.
Score breakdown
| Area | Revolut UK | Vanguard Investor UK |
|---|---|---|
| Cost | 9.7Higher | 8.2Management fee of 0.2% against a site median of 0.35%, plus an account fee of £48. |
| Offer | 9.5Higher | 8.8 |
| Trust | 9.1 | 9.2Higher |
Licences and countries
| Country | Revolut UK | Vanguard Investor UK |
|---|---|---|
| Cyprus | Cyprus Securities and Exchange Commission (CySEC) MiCA CASP 549300ET4IUR6RCZOL84 | Not confirmed |
| Lithuania | LT_BL PSD_EMI LT_LT_BL_304940980 | Not confirmed |
| United Kingdom | Not confirmed | |
| United States | SIPC SIPC member 70365 | Not confirmed |
Where they rank in our lists
| Ranking | Revolut UK | Vanguard Investor UK |
|---|---|---|
| Investing | 50 of 654 | 287 of 654 |
| Robo-advisors | 5 of 154 | 89 of 154 |
| Stocks and shares ISAs | 3 of 25 | 13 of 25 |
Where these facts come from
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
Vanguard Investor UK
- moneytothemasses.com: 7 facts, checked September 26, 2026
- vanguardinvestor.co.uk: 4 facts, checked September 26, 2026
Every fact side by side
| Fact | Revolut UK | Vanguard Investor UK |
|---|---|---|
| Features | Multi currency, Virtual card, Travel | Not confirmed |
| Pricing model | No annual fee | Low fees |
| Audience | Not confirmed | Beginners |
| Legal entity | Revolut Digital Assets (Europe) Ltd | Vanguard Asset Management |
| Headquarters | Cyprus | Not confirmed |
| Founded | 2015 | 1975Lower |
| Support channels | Email, Chat, Phone, Help centreCovers more | Phone |
Credit cards
| Fact | Revolut UK | Vanguard Investor UK |
|---|---|---|
| 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 | Vanguard Investor UK |
|---|---|---|
| Headline rate | 4% | Not confirmed |
| Rate type | Variable | Not confirmed |
| Deposit protection | FSCS up to GBP 85,000 | Not confirmed |
| Access terms | Instant access via the Revolut app, fee-free withdrawals, no withdrawal limits | Not confirmed |
| Monthly fee | £0 | Not confirmed |
| Account kind | Easy access | Not confirmed |
Debit cards
| Fact | Revolut UK | Vanguard Investor UK |
|---|---|---|
| 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 | Vanguard Investor UK |
|---|---|---|
| Management fee | 0%Lower | 0.2% |
| Minimum investment | Not confirmed | £500 |
| Portfolio types | ETF, Cash, CryptoCovers more | ETF |
Where each stands against the rest
| Fact | Revolut UK | Vanguard Investor UK | Median |
|---|---|---|---|
| Minimum deposit | £0lowest quarter | £500highest quarter | £15 |
| Account fee | Not confirmed | £48highest quarter | £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.
Vanguard Investor UK
Pros
- ISA, SIPP and JISA are all available, as isa, sipp and jisa shows, so one platform covers a pension, a junior account and a tax-free wrapper.
- Regulated by the Financial Conduct Authority, per Financial Conduct Authority (FCA), with Financial Services Compensation Scheme cover on investments.
- Portfolios are built from ETFs, as etf shows, keeping the range in etfs and funds narrow and focused on funds and ETFs.
Cons
- The account fee of £48 a year ranks 125 of 142 brands on that measure.
- The minimum deposit of £500 sits at 192 of 218 brands compared, which is a high bar for a small first payment.
- Support runs on phone only, so anyone who prefers written or live chat help has a single route.
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.
Vanguard Investor UK
Who it suits
- Beginners who want a set-and-forget portfolio, matching the beginners focus in beginners.
- Savers who want a tax-free or pension wrapper, since ISA, SIPP and JISA sit in isa, sipp and jisa.
- Long-term investors who prefer broad funds and ETFs over single shares, per etfs and funds.
Who should look elsewhere
- Anyone after an active trading platform with a very low entry point: CFI takes a minimum deposit of $0 and suits traders rather than fund buyers.
- People who want a plain cash account instead of an investment account: bunq opens from a minimum deposit of €10 with no portfolio to hold.
- Borrowers rather than investors: Fiesta Credito MX is supervised by CONDUSEF, as CONDUSEF shows, and serves Mexican credit needs.
Country by country
| Country | Revolut UK | Vanguard Investor UK |
|---|---|---|
| United Kingdom | No | Yes |
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.
Vanguard Investor UK
What does Vanguard Investor UK charge?+
The platform takes a management fee of 0.2% on your holdings, plus an account fee of £48 for the ISA, SIPP and JISA accounts listed in isa, sipp and jisa. The total charge therefore works out as a percentage of what you hold plus a flat amount each year, which is easy to compare with flat-fee rivals.
Is my money protected at Vanguard Investor UK?+
Vanguard Investor UK is regulated by the Financial Conduct Authority, as Financial Conduct Authority (FCA) shows, which means it must follow UK rules on client money. Investor protection runs through the Financial Services Compensation Scheme, covering eligible claims up to the cap the provider states rather than the full value of a portfolio.
Other options to compare
Other matchups
Revolut UK
Vanguard Investor UK