Updated October 17, 2026 · VaultCue Editorial Team
eToro vs Revolut UK
eToro
Revolut UK
Higher score in this comparison
What sets them apart
| Compare | eToroReviewVisitVisit | Revolut UKReviewVisitVisit |
|---|---|---|
| Headline rate | 3.8% | 4%Higher |
| Minimum deposit | $1 to $10,000 | £0 |
| Deposit protection | EU DGS up to EUR 100,000 | FSCS up to GBP 85,000 |
| Access terms | Interest on USD cash balance, no lock-in, withdraw at any time, calculated daily and paid monthly | Instant access via the Revolut app, fee-free withdrawals, no withdrawal limits |
| Monthly fee | $0 | £0 |
| Account kind | Cash management | Easy access |
Same on both: Rate type (Variable).
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: 9.0 vs 8.9.
- Founded is lower at eToro: 2007 vs 2015.
- eToro is licensed in 4 more countries.
- Headline rate is higher at Revolut UK: 4% vs 3.8%.
- Support channels: only Revolut UK offers Chat, Phone, Email.
Our verdict on each
eToro
The retained provider fee page attributes the UK GBP account to eToro Money UK Ltd.
Revolut UK
Revolut UK's savings account suits savers who want easy access to their money and no monthly charge: the easy-access balance pays 4% on a variable rate, each deposit is covered by FSCS up to GBP 85,000, and the account kind is easy access so nothing is locked away for a term.
Score breakdown
| Area | eToro | Revolut UK |
|---|---|---|
| Cost | 9.0 | 9.3HigherA monthly fee of £0, a minimum deposit of £0 and a plan conversion fee that runs 0% to 1%. |
| Offer | 8.7 | 9.6HigherThe listed features are free atm and joint account, and the app holds 30 currencies in total. |
| Trust | 9.0Higher | 8.5 |
Choosing between them
Pick eToro if trust matter most.
Pick Revolut UK if cost, offer, and headline rate matter most.
How they place
| Ranking | eToro | Revolut UK |
|---|---|---|
| Multi-currency accounts | 1 of 348 | 13 of 348 |
Where these facts come from
eToro
- etoro.com: 10 facts, checked September 26, 2026
- esma.europa.eu: 2 facts, checked September 26, 2026
Revolut UK
- revolut.com: 9 facts, checked September 26, 2026
- euclid.eba.europa.eu: 2 facts, checked September 26, 2026
- en.wikipedia.org: 1 fact, checked September 26, 2026
Every fact side by side
| Fact | eToro | Revolut UK |
|---|---|---|
| Pricing model | No monthly fee | No monthly fee |
| Legal entity | eToro (Europe) Ltd | Revolut Payments UAB |
| Headquarters | Cyprus | Lithuania |
| Founded | 2007Lower | 2015 |
| Support channels | Help centre | Chat, Phone, Help centre, EmailCovers more |
Everyday accounts
| Fact | eToro | Revolut UK |
|---|---|---|
| Licence type | Not confirmed | E money |
| Currency conversion fee | 0% | 0% to 1% |
| Currencies | 5 | 30Higher |
| Audience | Not confirmed | Travelers, Freelancer, Teen |
| Features | Free ATM | Free ATM, Joint accountCovers more |
| Local account details | Not confirmed | IBAN |
| Free ATM withdrawals | £2,000 to £10,000 | Not confirmed |
| Transfer fee | SEPA transfers in and out free; withdrawals from local currency account free, USD investment account $5 | Free in SEPA; paid plans discount elsewhere, free on Ultra worldwide |
Where each stands against the rest
| Fact | eToro | Revolut UK | Median |
|---|---|---|---|
| Headline rate | 3.8%above the median | 4%above the median | 3.25% |
Median across 658 listed accounts.
Pros and cons
eToro
Pros
- Access to shares, funds and crypto through one platform
- Fractional shares for smaller purchases in higher priced companies
- Data and analysis tools alongside views from the investor community
Cons
- Investment values can fall, so holdings may end below their starting value
- Copying other investors can bring risks that are hard to judge
Revolut UK
Pros
- Access is instant in the app, with fee-free withdrawals and no withdrawal limits.
- Support runs on chat, phone and help centre, so a phone call or email is possible when the app is not enough.
- Regulated in the UK and in Europe: the account is run by Revolut Payments UAB, founded in 2015 and headquartered in Lithuania.
Cons
- The rate type is variable, so the 4% can move and nothing is fixed for a set period.
- The savings sit with a savings deposit partner rather than the brand itself, and the account licence type is e money.
- On headline rate the account ranks at 142 of 473 brands compared, so the return is competitive rather than exceptional.
Who each suits
eToro
Who it suits
- Readers identifying the provider named for eToro’s UK GBP account.
Who should look elsewhere
- People who need savings protected from market moves
- Investors who prefer a single product with a fixed return
Revolut UK
Who it suits
- Savers who want instant app access and no charge for holding the balance, rather than a card and credit deal such as AXI Card Tarjeta y Credito at 21.59%.
- Travelers, freelancers and teens, the audience named in travelers, freelancer and teen, who want 30 currencies and a conversion fee that runs 0% to 1%.
- Anyone starting out with a wallet, since PayPal Colombia is the listed alternative at 3.3% and this balance pays 4% with iban details.
Who should look elsewhere
- Savers shopping on the headline rate alone: the listed alternative Plazo ES shows 24.19% and AXI Card Tarjeta y Credito shows 21.59%, both far above the 4% paid here.
- People who need the return fixed for a set period, since the rate type is variable and the balance is easy-access by design.
- Customers who want the deposits held by the brand itself: the account licence type is e money and the savings sit with a savings deposit partner, a different structure from the listed wallet alternative PayPal Colombia at 3.3%.
Country by country
| Country | eToro | Revolut UK |
|---|---|---|
| Australia | Yes | No |
| Cyprus | Yes | No |
| Gibraltar | Yes | No |
| Guernsey | Yes | No |
| Isle of Man | Yes | No |
| Jersey | Yes | No |
| Malta | Yes | No |
| Seychelles | Yes | No |
8 of 12 countries where either is available.
Questions about each
eToro
What kinds of assets can investors reach?+
Investors can reach shares from many exchanges around the world, along with exchange traded funds and crypto assets. Fractional shares open higher priced companies to smaller purchases. Each holding can be sized around personal goals, with the data and analysis tools offering context for those choices.
Where does the company operate and who holds the accounts?+
The company serves a global community of investors across many markets. Its licences cover key markets, so the local status of an account depends on the country involved. Anyone thinking of investing should confirm which company entity holds their account before depositing money.
Revolut UK
What rate does the Revolut savings account pay?+
The easy-access balance pays a headline rate of 4%, and the rate type is variable, so the return can move with the market. Nothing has to be locked away for a term, and the account kind is easy access, so interest is credited on the balance you keep.
Is there a monthly fee or a minimum deposit?+
The monthly fee is £0 and the minimum deposit is £0, so the account can be opened with nothing in it and left open without a charge. The model is listed as no monthly fee, and 91.7% of the accounts compared run the same way.
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