Updated October 17, 2026 · BrokerCue Editorial Team
Finhabits vs Revolut UK
What sets them apart
| Compare |  Finhabits |  Revolut UK |
|---|---|---|
| Management fee | 1% | 0%Lower |
| Regulators | U.S. Securities and Exchange Commission (SEC) | Cyprus Securities and Exchange Commission (CySEC), LT BL, SIPC |
| Investor protection | SIPC up to USD 500,000 | EU ICS up to EUR 20,000 |
| Account types | IRA, Roth IRA | ISA, Joint |
| Portfolio types | ETF | ETF, Cash, CryptoCovers more |
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Key differences
- Revolut UK scores higher overall: 9.3 vs 8.5.
- Regulators: only Finhabits offers U.S. Securities and Exchange Commission (SEC).
- Regulators: only Revolut UK offers Cyprus Securities and Exchange Commission (CySEC), LT BL, SIPC.
- Revolut UK is licensed in 2 more countries.
- Management fee is lower at Revolut UK: 0% vs 1%.
- Account types: only Finhabits offers IRA, Roth IRA.
- Account types: only Revolut UK offers ISA, Joint.
- Portfolio types: only Revolut UK offers Cash, Crypto.
- Support channels: only Revolut UK offers Chat.
Our verdict on each
Finhabits
Finhabits is a US robo-advisor built for beginners, opening at a minimum deposit of $0 and running managed stocks and etfs portfolios under US regulation. The trade-off is the $120 account fee, which sits on top of the 1% management fee.
Revolut UK
Revolut UK is a broker with a compact range built around ETFs, cash and crypto alongside ISA and joint accounts. It suits customers who want those holdings and account types managed together in one app and who value a clear structure before they check costs and safety.
Score breakdown
| Area | Finhabits | Revolut UK |
|---|---|---|
| Cost | 8.1Management fee of 1% against a 0.35% median here, plus an account fee of $120 and a minimum deposit of $0. | Not confirmed |
| Offer | 8.9 | 9.5Higher |
| Trust | 8.7 | 9.2Higher |
Positions in our rankings
| Ranking | Finhabits | Revolut UK |
|---|---|---|
| Stock and ETF brokers | 213 of 471 | 38 of 471 |
| Robo-advisors | 93 of 151 | 7 of 151 |
Licences and countries
| Country | Finhabits | Revolut UK |
|---|---|---|
| United States | 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 |
Where these facts come from
Finhabits
- finhabits.com: 7 facts, checked September 26, 2026
- flexoffers.com: 1 fact, checked September 26, 2026
Revolut UK
- revolut.com: 5 facts, checked September 26, 2026
- esma.europa.eu: 4 facts, checked September 26, 2026
Every fact side by side
| Fact | Finhabits | Revolut UK |
|---|---|---|
| Legal entity | Finhabits, Inc. | Revolut Digital Assets (Europe) Ltd |
| Headquarters | United States | Cyprus |
| Founded | Not confirmed | 2015 |
| Support channels | Email, Phone, Help centre | Email, Chat, Phone, Help centreCovers more |
Brokers
| Fact | Finhabits | Revolut UK |
|---|---|---|
| Minimum deposit | $0 | Not confirmed |
| Account fee | $120 | Not confirmed |
| Markets | Stocks, ETFs | Not confirmed |
| Features | Mobile app | Not confirmed |
| Audience | Beginners | Not confirmed |
Where each stands against the rest
| Fact | Finhabits | Revolut UK | Median |
|---|---|---|---|
| Management fee | 1%highest quarter | 0%lowest quarter | 0.345% |
Median across 86 listed brokers.
Pros and cons
Finhabits
Pros
- Regulated by the U.S. Securities and Exchange Commission, with investor protection listed as SIPC up to USD 500,000.
- Support runs on email, phone and help centre, so help is easy to reach.
- The portfolio build is etf focused, with picks made for you across stocks and etfs.
Cons
- The $120 account fee is the sting, sitting on top of the 1% management fee.
- The range is limited to stocks and etfs, so there is no wider asset choice.
- Account types come down to ira and roth ira options at a brand based in the United States.
Revolut UK
Pros
- Offers ISA and joint accounts within its broker range
- Holds ETFs with cash and crypto in one broker setup
Who each suits
Finhabits
Who it suits
- US beginners, since the service is built for beginners.
- Savers who want the holdings chosen for them across stocks and etfs.
- People already investing for retirement, matching the ira and roth ira list.
Who should look elsewhere
- Readers who want to pay nothing on management can start with eToro, where the fee is 0%.
- Anyone after a wider fee band should look at Vivid Standard, at 0.5% to 1.5%.
- Investors who treat the protection scheme as the deciding factor can also check Axos Invest, which names SIPC.
Revolut UK
Who it suits
- Customers seeking ETF, cash and crypto holdings
- Households needing ISA and joint account structures
Country by country
| Country | Finhabits | Revolut UK |
|---|---|---|
| United States | Yes | No |
Questions about each
Finhabits
What does Finhabits cost to run an account?+
Finhabits charges a management fee of 1% on the portfolio and an account fee of $120. The account fee is the part to watch, since it is a flat charge on top of the percentage. The median management fee across the robo-advisors compared here is 0.35%.
How much do I need to put in before I can start?+
The minimum deposit is $0, so there is no floor to clear before saving begins. Accounts come as ira and roth ira options, which decides the wrapper you hold. The listed feature is mobile app, so the app is the main way in.
Revolut UK
What portfolio types does Revolut UK cover?+
Revolut UK covers ETFs, cash and crypto within its broker offer. Holdings sit side by side under one broker arrangement. Review whether that product mix aligns with your investment plans before you look at costs and safety.
What account types does Revolut UK offer?+
Revolut UK provides ISA and joint accounts as part of its broker service. The ISA wrapper holds investments inside that structure while the joint option allows shared access. Confirm eligibility and account rules match household needs before proceeding.
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