Revolut vs eToro: Full Comparison for UK Investors (2026)
11 JUN, 2026
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eToro or Revolut — two of the most recognised platforms available to UK investors today. Both offer commission-free stock and ETF investing, a Stocks and Shares ISA, and a mobile-first experience. But they serve different purposes: eToro is built around social trading and copy investing; Revolut is a fully licensed UK bank that has expanded into investing. For a broader comparison of UK investing platforms, see our guide to the best ETF platforms in the UK.
What are they?
What is Revolut?
Revolut is a UK-based fintech company originally launched in 2014 as a neobank, beginning with fee-free currency exchange, ATM withdrawals, payments, and budgeting tools. Since then it has expanded dramatically into broader financial services.
As of March 2026, Revolut is a fully licensed UK bank. Revolut Bank UK Ltd is now authorised and regulated by both the Prudential Regulation Authority (PRA) and the Financial Conduct Authority (FCA) — the same regulatory framework as every other UK bank. Eligible deposits are now protected by the FSCS up to £120,000 per person (higher than the standard £85,000). Revolut now offers stocks, ETFs, cryptocurrencies, forex, and a flexible Stocks and Shares ISA directly in its app.
👉 Read our Revolut review to learn more.
What is eToro?
eToro is a global investment platform launched in 2007. Regulated by the FCA in the UK, it is widely regarded as the best copy trading platform, known for pioneering social trading. Its unique CopyTrader feature allows users to replicate the trades of successful investors. eToro now has over 35 million users in 140+ countries and offers stocks, ETFs, real crypto, and a Stocks and Shares ISA for UK clients.
👉 Read our eToro review to learn more.
Main Features
| Feature | Revolut | eToro | |||
| Regulation | PRA + FCA (fully licensed UK bank from March 2026) | FCA (UK), CySEC (Cyprus), ASIC (Australia) | |||
| Investor protection | FSCS up to £120,000 | FSCS up to £85,000 | |||
| Market Access | US, European and UK markets | 140+ global markets | |||
| Financial Products | Stocks, ETFs, crypto (200+), forex | Stocks, ETFs, crypto (75+), forex, indices, commodities | |||
| ISA / SIPP | ✅ Flexible Stocks and Shares ISA; no SIPP | ✅ Stocks and Shares ISA; no SIPP | |||
| Minimum Deposit | No minimum | £10 in the UK | |||
| Platforms | Mobile app (investing within banking app) | Proprietary web + mobile; social trading | |||
| Copy Trading | ❌ | ✅ CopyTrader | |||
| Demo Account | No | Yes — $100,000 virtual funds | |||
| Customer Support | 24/7 in-app live chat | 24/5 live chat, email |
| Feature | Revolut | eToro |
| Regulation | PRA + FCA (fully licensed UK bank from March 2026) | FCA (UK), CySEC (Cyprus), ASIC (Australia) |
| Investor protection | FSCS up to £120,000 | FSCS up to £85,000 |
| Market Access | US, European and UK markets | 140+ global markets |
| Financial Products | Stocks, ETFs, crypto (200+), forex | Stocks, ETFs, crypto (75+), forex, indices, commodities |
| ISA / SIPP | ✅ Flexible Stocks and Shares ISA; no SIPP | ✅ Stocks and Shares ISA; no SIPP |
| Minimum Deposit | No minimum | £10 in the UK |
| Platforms | Mobile app (investing within banking app) | Proprietary web + mobile; social trading |
| Copy Trading | ❌ | ✅ CopyTrader |
| Demo Account | No | Yes — $100,000 virtual funds |
| Customer Support | 24/7 in-app live chat | 24/5 live chat, email |
Pros and Cons
| Pros of Revolut | Cons of Revolut | ||
| ✅ Fully licensed UK bank (March 2026) — FSCS up to £120,000 | ❌ Free trades limited by plan (1/month on Standard) | ||
| ✅ Flexible ISA — 4,000+ stocks and ETFs, no custody fees | ❌ No copy trading or social features | ||
| ✅ All-in-one banking and investing app; 24/7 support | ❌ Does not accept ISA transfers in from other providers | ||
| ✅ No inactivity fee; no minimum deposit | ❌ Basic trading tools; no advanced charting |
| Pros of Revolut | Cons of Revolut |
| ✅ Fully licensed UK bank (March 2026) — FSCS up to £120,000 | ❌ Free trades limited by plan (1/month on Standard) |
| ✅ Flexible ISA — 4,000+ stocks and ETFs, no custody fees | ❌ No copy trading or social features |
| ✅ All-in-one banking and investing app; 24/7 support | ❌ Does not accept ISA transfers in from other providers |
| ✅ No inactivity fee; no minimum deposit | ❌ Basic trading tools; no advanced charting |
| Pros of eToro | Cons of eToro | ||
| ✅ CopyTrader — unique social investing feature | ❌ $5 withdrawal fee; $10/month inactivity fee (12 months) | ||
| ✅ 140+ global markets; 75+ real cryptocurrencies | ❌ 0.50% FX conversion fee — accounts in USD | ||
| ✅ FCA-regulated; Stocks and Shares ISA available | ❌ No SIPP; no phone support in the UK | ||
| ✅ Demo account; eToro Academy educational resources |
| Pros of eToro | Cons of eToro |
| ✅ CopyTrader — unique social investing feature | ❌ $5 withdrawal fee; $10/month inactivity fee (12 months) |
| ✅ 140+ global markets; 75+ real cryptocurrencies | ❌ 0.50% FX conversion fee — accounts in USD |
| ✅ FCA-regulated; Stocks and Shares ISA available | ❌ No SIPP; no phone support in the UK |
| ✅ Demo account; eToro Academy educational resources |
Are they safe?
Regulation of Revolut
As of March 2026, Revolut Bank UK Ltd is a fully licensed UK bank, authorised and regulated by both the Prudential Regulation Authority (PRA) and the Financial Conduct Authority (FCA) — the same regulatory framework as Barclays, HSBC, or Lloyds. Customer deposits in eligible bank accounts are now protected by the FSCS up to £120,000 per person — higher than the standard £85,000 protection offered by most investment platforms.
Note: Revolut's investment and trading services are operated by Revolut Trading Ltd, which remains separately regulated. Stock trading client funds are held in segregated accounts.
Regulation of eToro
eToro (UK) Ltd is authorised and regulated by the FCA (FRN 583263). Client funds are held securely in tier-1 banks and protected by the FSCS up to £85,000. eToro is also regulated by CySEC (Cyprus) and ASIC (Australia).
| Countries | Amount insured | Regulator | Coverage Fund | ||||
|---|---|---|---|---|---|---|---|
| United Kingdom | £85,000 + additional Lloyd's insurance | FCA | FSCS + Lloyd's | ||||
| Australia | $1,000,000 | ASIC | Lloyd's | ||||
| Rest of world | €20,000 + €1,000,000 | CySEC | Cyprus ICF + Lloyd's |
| Countries | Amount insured | Regulator | Coverage Fund |
|---|---|---|---|
| United Kingdom | £85,000 + additional Lloyd's insurance | FCA | FSCS + Lloyd's |
| Australia | $1,000,000 | ASIC | Lloyd's |
| Rest of world | €20,000 + €1,000,000 | CySEC | Cyprus ICF + Lloyd's |
Investment Products
Revolut
Revolut has evolved from a digital bank into a multi-asset investment platform. Its key investment offering for UK investors in 2026:
1. Stocks and ETFs — via Flexible Stocks and Shares ISA
- 4,000+ stocks and ETFs from US, UK, and European markets
- Fractional shares from $1
- Commission-free trades up to monthly plan allowance (1/month Standard; 3 Plus; 5 Premium; 10 Metal; 10 Ultra)
- Beyond allowance: 0.25% per order (Standard/Plus/Premium/Metal); 0.12% (Ultra/Trading Pro)
- Flexible Stocks and Shares ISA — zero custody fees, zero subscription fees, £20,000 annual allowance 2026/27. Flexible: withdraw and reinvest within the same tax year without reducing your allowance. Note: Revolut does not currently accept ISA transfers in from other providers.
2. Cryptocurrencies
- Trade 200+ cryptocurrencies including Bitcoin, Ethereum, XRP, Cardano, and many altcoins
- Simple in-app buying, selling, and holding
3. Forex
- 150+ currency pairs at interbank rates
- Fee-free conversion within monthly limits (depending on plan) — particularly useful for travel and international transfers
eToro
eToro provides a comprehensive multi-asset brokerage with a focus on social investing. UK clients can access a Stocks and Shares ISA alongside all trading features.
1. Stocks and ETFs
- 3,100+ global stocks from major exchanges; 300+ ETFs
- Commission-free; fractional shares from £10
- Available within a Stocks and Shares ISA (£20,000 annual allowance 2026/27)
2. Cryptocurrencies
- 75+ real cryptocurrencies including Bitcoin, Ethereum, XRP, Cardano, Dogecoin
- 1% transaction fee; eToro Wallet for secure storage
3. Forex, Indices, Commodities
- 50+ currency pairs via CFDs; major indices (S&P 500, Nasdaq, FTSE 100) and commodities
- Social features allow following top forex traders and strategies
Note on SIPP: eToro does not offer a SIPP. For pension investing, UK investors should look at platforms such as Hargreaves Lansdown, AJ Bell, or InvestEngine — see our eToro vs Trading 212 comparison for a cost-focused alternative.
Fees and charges
Revolut Fees
Revolut's investing fees depend on the account plan. Each plan includes a monthly allowance of free trades:
| Account | Free trades/month | Fee beyond allowance | Plan price | ||||
|---|---|---|---|---|---|---|---|
| Standard | 1 | 0.25% per order | £0 | ||||
| Plus | 3 | 0.25% per order | £3.99/month | ||||
| Premium | 5 | 0.25% per order | £7.99/month | ||||
| Metal | 10 | 0.25% per order | £14.99/month | ||||
| Ultra | 10 | 0.12% per order | £45/month |
| Account | Free trades/month | Fee beyond allowance | Plan price |
|---|---|---|---|
| Standard | 1 | 0.25% per order | £0 |
| Plus | 3 | 0.25% per order | £3.99/month |
| Premium | 5 | 0.25% per order | £7.99/month |
| Metal | 10 | 0.25% per order | £14.99/month |
| Ultra | 10 | 0.12% per order | £45/month |
No custody fees, no subscription fees for the ISA itself, no inactivity fees. The ISA free trade allowance is shared with the general investment account.
eToro Fees
- Stocks & ETFs: 0% commission
- FX conversion: 0.50% (accounts in USD — applies to all GBP deposits/withdrawals)
- Cryptocurrencies: 1% transaction fee + spread
- Withdrawal fee: $5; minimum withdrawal $30
- Inactivity fee: $10/month after 12 months of no login
- No deposit fee for UK clients
Trading Platforms
Revolut Platform
Revolut is designed primarily for individual clients who want to manage all their finances in one app — banking, currency exchange, investing, and ISA all in one place. Its investing interface is simple and accessible but lacks advanced charting tools. Converting currencies or buying stocks is straightforward within the app. Stock trading accounts can only be funded via bank transfer (not card top-ups).
eToro Platform
The eToro platform is designed to be social, intuitive, and accessible. The CopyTrader™ system allows users to automatically copy the portfolios of experienced investors — ideal for beginners and passive investors. Available as a web platform and mobile app (iOS and Android) with real-time charts, watchlists, social feed, and portfolio tracking.
Deposits and withdrawals
Revolut
Revolut's investment account can be funded via bank transfer, Open Banking, or directly from your Revolut current account. Card top-ups are not supported for stock trading accounts. Withdrawals settle in T+1 (since May 2024 US market standard). Once settled, funds appear in your Revolut account and can be withdrawn by bank transfer or used directly with your Revolut card. No withdrawal fees.
eToro
eToro accounts are USD-denominated. Deposits are accepted via credit/debit card, PayPal, Neteller, Skrill, bank transfer, and more. Bank transfer deposits require a minimum of $500. Withdrawals incur a flat $5 fee with a $30 minimum, processed within 1–3 business days. The 0.50% FX conversion applies when depositing or withdrawing in GBP.
Education and Resources
Revolut Education
Revolut provides in-app educational content through its Learn feature, covering cryptocurrency basics, blockchain, and stock trading fundamentals — including a "Learn & Earn" initiative that rewards users with crypto for completing courses. Over 3.8 million customers across the UK, Singapore, Australia, and the EEA have used this feature.
eToro Education
eToro Academy provides video tutorials, webinars, trading guides, and market analysis covering fundamental and technical analysis, risk management, and social trading strategies. Its social trading platform allows users to learn by observing and copying experienced traders in real time.
Customer Service
Revolut Customer Service
- Live Chat: 24/7 in-app support — tap profile icon → Help → Get more help
- Phone: Automated line for card issues (+44 20 3322 8352) — does not connect to a human agent
- Email: feedback@revolut.com (response times vary)
eToro Customer Service
- Live Chat: 24/5 — available to all users (priority for Silver Club members)
- Phone: +44 20 3326 9900 for UK clients
- Support tickets via Help Centre; response times may extend during peak periods
Which broker is better: Revolut or eToro?
Choose Revolut if: you want a fully licensed UK bank that combines everyday banking with investing in one app. The flexible ISA (4,000+ stocks/ETFs, zero custody fees) is excellent, and the 200+ cryptocurrencies and fee-free forex make it the better choice for currency exchange and crypto trading. The higher FSCS protection (£120,000) is also a meaningful advantage. Best suited to investors who already bank with Revolut and want simplicity.
Choose eToro if: you want to copy experienced traders via CopyTrader, access a broader range of global markets (140+), or prefer a dedicated investing platform with a social community. eToro's inactivity fee ($10/month after 12 months) is a genuine downside for passive investors — Revolut has no inactivity fee.
For a comparison of eToro against another zero-fee UK platform, see our eToro vs Trading 212 article.
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