Updated September 29, 2026 · BrokerCue Editorial Team
Ally Bank vs Revolut
Ally Bank vs Revolut: the differences
| Compare |  Ally Bank |  Revolut |
|---|---|---|
| Management fee | 0% to 0.3% | 0% |
| Regulators | SEC, FINRA, FDIC | Financial Conduct Authority, Cyprus Securities and Exchange Commission (CySEC), LT BL, SIPC |
| Investor protection | SIPC up to USD 500,000 | FSCS up to GBP 85,000 |
| Account types | Joint, IRA, Roth IRA | ISA, Joint |
| Portfolio types | ETF, ESG, Cash | ETF, Cash, Crypto |
| Minimum investment | $100 | 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.
Key differences
- Regulators: only Ally Bank offers SEC, FINRA, FDIC.
- Regulators: only Revolut offers Financial Conduct Authority, Cyprus Securities and Exchange Commission (CySEC), LT BL.
- Founded is lower at Ally Bank: 1919 vs 2015.
- Revolut is licensed in 3 more countries.
- Account types: only Ally Bank offers IRA, Roth IRA.
- Account types: only Revolut offers ISA.
- Portfolio types: only Ally Bank offers ESG.
- Portfolio types: only Revolut offers Crypto.
Our verdict on each
Ally Bank
Ally Bank suits US investors who want commission-free share dealing with a free account and a free inactivity charge, and it heads the cost table on the measures compared. The trade-off sits in the automated portfolios, which take a management fee of 0% to 0.3% and a starting investment of $100.
Revolut
Revolut charges a management fee of 0% on its stocks and shares ISA, and it operates in the UK under the Financial Conduct Authority with protection of FSCS up to GBP 85,000. It suits savers who want an ISA or a joint account and support by phone as well as chat and email.
Score breakdown
| Area | Ally Bank | Revolut |
|---|---|---|
| Cost | 9.4$0 to trade shares, $0 account fee, $0 inactivity charge, with $0.50 per options contract and 0% to 0.3% on automated portfolios. | 9.9HigherA management fee of 0% against a robo-advisor median of 0.35%, ranking 1 of 49 on that measure. |
| Offer | 9.6 | 9.6 |
| Trust | 9.8Higher | 9.4 |
Where each is licensed and available
| Country | Ally Bank | Revolut |
|---|---|---|
| United States | FINRA 136131 FDIC FDIC cert 57803 | SIPC SIPC member 70365 |
| Cyprus | Not confirmed | Cyprus Securities and Exchange Commission (CySEC) MiCA CASP 549300ET4IUR6RCZOL84 |
| Lithuania | Not confirmed | LT_BL PSD_EMI LT_LT_BL_304940980 |
| United Kingdom | Not confirmed | Financial Conduct Authority 933846 |
Cost in a real example
10,000 invested for a year
Ally Bank
0 to 30
0% to 0.3% of 10,000
Revolut
0
0% of 10,000
Both come to the same total.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
Where they rank in our lists
| Ranking | Ally Bank | Revolut |
|---|---|---|
| Robo-advisors | 8 of 153 | 5 of 153 |
Pick Ally Bank if, pick Revolut if
Pick Ally Bank if trust matter most.
Pick Revolut if cost matter most.
Every fact side by side
| Fact | Ally Bank | Revolut |
|---|---|---|
| Legal entity | Ally Bank | Revolut Digital Assets (Europe) Ltd |
| Headquarters | United States | Cyprus |
| Founded | 1919Lower | 2015 |
| Support channels | Email, Chat, Phone, Help centre | Email, Chat, Phone, Help centre |
Where each stands against the rest
| Fact | Ally Bank | Revolut | Median |
|---|---|---|---|
| Management fee | 0% to 0.3%lowest quarter | 0%lowest quarter | 0.35 |
| Minimum investment | $100at the median | Not confirmed | $100 |
Median across 67 listed brokers.
Pros and cons
Ally Bank
Pros
- A stock trade costs $0 and the account fee is $0, so holding a US portfolio costs nothing at the platform level.
- The inactivity fee is $0, and Ally ranks 1 on that measure among 56, so a dormant balance is not quietly drained.
- Regulated in the US by SEC, FINRA and FDIC, with investor protection recorded as SIPC up to USD 500,000 and an FDIC certificate of FDIC cert 57803.
Cons
- The automated portfolios take a management fee of 0% to 0.3% a year, so a free account is not the whole cost picture.
- Options carry $0.50 per contract, so the commission-free model in commission free does not reach derivative trading.
- Account types run to joint, ira and roth ira, with no wrapper for a tax-sheltered investor who is not saving through a retirement account.
Revolut
Pros
- A management fee of 0% on the stocks and shares ISA.
- Regulated by the Financial Conduct Authority and the Cyprus Securities and Exchange Commission, with support by email, chat and phone.
- Account types include isa and joint, and portfolios can hold etf, cash and crypto.
Cons
- Investor protection stops at FSCS up to GBP 85,000.
- Account types come down to isa and joint, so there is no pension or SIPP wrapper here.
- Crypto sits inside etf, cash and crypto, so an ISA here is not a pure stocks and shares plan.
Who each suits
Ally Bank
Who it suits
- US savers who want commission-free share dealing, a minimum deposit of $0 and an account fee of $0.
- Retirement investors, since joint, ira and roth ira covers individual retirement accounts and joint accounts.
- People who would rather ring than email, since email, chat and phone includes phone, chat, email and a help centre.
Who should look elsewhere
- Traders after forex, contracts for difference or crypto, since stocks, etfs and options stops at the US list while stocks, etfs and forex goes further.
- Anyone who wants leveraged index exposure on the same account, where CFI covers stocks, etfs and forex and Ally does not.
Revolut
Who it suits
- UK savers who want a tax-sheltered ISA and a joint account in one app.
- Anyone who wants to reach a person by phone as well as by chat or email.
- Investors comfortable holding cash and crypto next to ETFs, the etf, cash and crypto mix here.
Who should look elsewhere
- Anyone who wants a percentage-based plan: Vivid Standard charges a management fee of 0.5% to 1.5%.
- Readers who want a wider regulatory spread: eToro is regulated by Cyprus Securities Exchange Commission (CySEC), Financial Conduct Authority (FCA) and Australian Securities and Investments Commission (ASIC).
Country by country
| Country | Ally Bank | Revolut |
|---|---|---|
| United States | Yes | No |
Questions about each
Ally Bank
What does it cost to open a self-directed account and place a trade?+
Opening costs nothing beyond the deposit itself, and the minimum deposit is $0. Trading shares carries a fee of $0 and the account fee is $0, so a small starter order does not eat into the position. Options are the exception and are priced separately per contract.
Is there a charge if I leave the account empty?+
No. The inactivity fee is $0, which means an account you stop using carries no monthly drain on the balance. It matters most for anyone splitting cash between trading and holding, because a dormant account here does not quietly shave the value of what sits in it while a decision is pending.
Revolut
What does Revolut charge as a management fee?+
Revolut's management fee is 0% on its stocks and shares ISA, and it places 1 of 49 brands on that measure. Robo-advisors in the same group charge a median of 0.35%, so the gap to the typical plan is clear.
How is my money protected?+
Investor protection is stated as FSCS up to GBP 85,000 for the stocks and shares ISA. The account is held with a firm regulated by the Financial Conduct Authority, licence 933846, and Revolut also appears under Financial Conduct Authority, Cyprus Securities and Exchange Commission (CySEC) and LT BL.
Other options to compare
Other matchups
- Ally Bank vs BMO InvestorLine
- Ally Bank vs Capital.com
- Ally Bank vs Trading 212
- Ally Bank vs FBS
- Ally Bank vs Charles Schwab
- Ally Bank vs Angel One
- Ally Bank vs Interactive Brokers
- Ally Bank vs Webull
- Ally Bank vs IG
- Ally Bank vs Public
- Ally Bank vs UNest
- Ally Bank vs eToro
- Ally Bank vs Robinhood
- Ally Bank vs Empower Personal Dashboard
- Ally Bank vs S Broker
- Ally Bank vs CapTrader
- Ally Bank vs Lightyear