Updated September 29, 2026 · BrokerCue Editorial Team
Betterment vs Revolut
What sets them apart
| Compare |  Betterment |  Revolut |
|---|---|---|
| Management fee | 0.25% | 0%Lower |
| Regulators | U.S. Securities and Exchange Commission (SEC) registered investment adviser, Financial Industry Regulatory Authority (FINRA) Betterment Securities broker dealer member, SIPC | 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 | IRA, Roth IRA | ISA, Joint |
| Portfolio types | ETF, ESG, Cash, CryptoCovers more | ETF, Cash, Crypto |
| Minimum investment | $10 | Not confirmed |
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Key differences
- Regulators: only Betterment offers U.S. Securities and Exchange Commission (SEC) registered investment adviser, Financial Industry Regulatory Authority (FINRA) Betterment Securities broker dealer member.
- Regulators: only Revolut offers Financial Conduct Authority, Cyprus Securities and Exchange Commission (CySEC), LT BL.
- Founded is lower at Betterment: 2008 vs 2015.
- Revolut is licensed in 3 more countries.
- Management fee is lower at Revolut: 0% vs 0.25%.
- Account types: only Betterment offers IRA, Roth IRA.
- Account types: only Revolut offers ISA, Joint.
- Portfolio types: only Betterment offers ESG.
Our verdict on each
Betterment
Betterment suits US savers who want a robo-managed IRA with a flat, low management fee and SIPC cover. It charges a management fee of 0.25%, sits mid-table among robo-advisors on that fee, and offers only IRA and Roth IRA accounts, so UK and European readers may look elsewhere.
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 | Betterment | Revolut |
|---|---|---|
| Cost | 9.3Management fee of 0.25% and no account fee, with a minimum investment of $10. | 9.9HigherA management fee of 0% against a robo-advisor median of 0.35%, ranking 1 of 49 on that measure. |
| Offer | 9.7Higher | 9.6 |
| Trust | 9.7Higher | 9.4 |
Pick Betterment if, pick Revolut if
Pick Betterment if trust and portfolio types matter most.
Pick Revolut if cost and management fee matter most.
What it costs in practice
10,000 invested for a year
Betterment
25
0.25% of 10,000
Revolut
0
0% of 10,000
Revolut comes out 25 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
Where each is licensed and available
| Country | Betterment | Revolut |
|---|---|---|
| United States | SIPC SIPC member 51906 | 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 |
Sources behind this comparison
Betterment
- betterment.com: 8 facts, checked September 26, 2026
- en.wikipedia.org: 1 fact, checked September 26, 2026
- sipc.org: 1 fact, checked September 26, 2026
Revolut
- revolut.com: 7 facts, checked September 26, 2026
- esma.europa.eu: 2 facts, checked September 26, 2026
How they place
| Ranking | Betterment | Revolut |
|---|---|---|
| Robo-advisors | 9 of 153 | 5 of 153 |
Every fact side by side
| Fact | Betterment | Revolut |
|---|---|---|
| Legal entity | MTG LLC | Revolut Digital Assets (Europe) Ltd |
| Headquarters | United States | Cyprus |
| Founded | 2008Lower | 2015 |
| Support channels | Phone, Email, Chat, Help centre | Email, Chat, Phone, Help centre |
Brokers
| Fact | Betterment | Revolut |
|---|---|---|
| Minimum deposit | $10 | Not confirmed |
| Account fee | $0 | Not confirmed |
| Markets | Stocks, ETFs, Bonds | Not confirmed |
| Deposit and withdrawal fees | No fees | Not confirmed |
| Interest on cash | 3.5% | Not confirmed |
Where each stands against the rest
| Fact | Betterment | Revolut | Median |
|---|---|---|---|
| Management fee | 0.25%below the median | 0%lowest quarter | 0.35% |
| Minimum investment | $10below the median | Not confirmed | $100 |
Median across 67 listed brokers.
Pros and cons
Betterment
Pros
- A management fee of 0.25% sits below the robo-advisor median of 0.35%
- An account fee of $0 and a deposit and withdrawal charge listed as No fees
- Covered by SIPC protection of SIPC up to USD 500,000
Cons
- Account types run only to ira and roth ira, so there is no taxable or ISA-style account for UK and European readers
- A management fee of 0.25% still ranks 18 of 49 brands, so cheaper robo-advisors exist
- Markets cover only stocks, etfs and bonds, with no forex, options or crypto trading
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
Betterment
Who it suits
- US savers who want a robo-managed IRA or Roth IRA
- People starting small, with a minimum investment of $10
- Investors who want automated portfolios of etf, esg and cash
Who should look elsewhere
- UK and European readers, since account types cover only ira and roth ira
- Active traders wanting forex, options or crypto beyond the stocks, etfs and bonds it lists
- Anyone seeking a management fee of 0% as at eToro
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).
Current offers
Betterment
Current offer
Bonus
Invest and earn up to $2,000: up to $2,000
Terms apply; new customers only; open any individual investing account and make a deposit
Source, checked September 26, 2026
Bonus
0.75% APY boost on Cash Reserve: 0.75% APY boost, 4.25% variable APY on balances up to $1M
New clients with a qualifying deposit; guaranteed through February 15; base variable APY 3.50% as of 9/21/2026; $10 min deposit for base APY
Source, checked September 26, 2026
Discount code
Discounted mortgage rate through Rate partnership: up to 0.75% off
Via partnership with Rate; terms apply
Source, checked September 26, 2026
Country by country
| Country | Betterment | Revolut |
|---|---|---|
| United States | Yes | No |
Questions about each
Betterment
How much does Betterment charge to manage my money?+
The annual management fee is 0.25%, taken as a percentage of the portfolio. That sits below the robo-advisor median of 0.35%, and Betterment ranks 18 of 49 brands on this measure. There is no separate account charge, listed as $0.
Is my money protected if Betterment fails?+
Stated protection is SIPC up to USD 500,000, and Betterment appears on the SIPC member register as SIPC member 51906. The cover applies to cash in the brokerage account if the broker-dealer fails, and the legal entity named is MTG LLC. Portfolio market values are not protected by the scheme.
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.
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