Updated October 17, 2026 · BrokerCue Editorial Team
growney vs Revolut UK
What sets them apart
| Compare |  growney |  Revolut UK |
|---|---|---|
| Management fee | 0.38% to 0.68% | 0%Lower |
| Regulators | Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), Deutsche Bundesbank | Cyprus Securities and Exchange Commission (CySEC), LT BL, SIPC |
| Account types | Joint, Corporate | ISA, Joint |
| Portfolio types | ETF, ESG, Cash | ETF, Cash, Crypto |
| Minimum investment | €25 | Not confirmed |
Same on both: Investor protection (EU ICS up to EUR 20,000).
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Key differences
- Regulators: only growney offers Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), Deutsche Bundesbank.
- Regulators: only Revolut UK offers Cyprus Securities and Exchange Commission (CySEC), LT BL, SIPC.
- Founded is lower at growney: 2014 vs 2015.
- Revolut UK is licensed in 2 more countries.
- Management fee is lower at Revolut UK: 0% vs 0.38% to 0.68%.
- Account types: only growney offers Corporate.
- Account types: only Revolut UK offers ISA.
- Portfolio types: only growney offers ESG.
- Portfolio types: only Revolut UK offers Crypto.
Our verdict on each
growney
growney suits beginners in Germany who want savings and a managed portfolio under one roof, with joint and corporate accounts offered alongside ETF, ESG and cash portfolios. Entry starts at €25, and cash is offered at 2.25%, so a saver can begin small.
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 | growney | Revolut UK |
|---|---|---|
| Cost | 8.9Management fee of 0.38% to 0.68% a year against a robo-advisor median of 0.35%, with deposits and withdrawals free. | Not confirmed |
| Offer | 9.6Higher | 9.5 |
| Trust | 9.4Higher | 9.2 |
Where they rank in our lists
| Ranking | growney | Revolut UK |
|---|---|---|
| Stock and ETF brokers | 70 of 471 | 38 of 471 |
| Robo-advisors | 18 of 151 | 7 of 151 |
Side by side, item by item
| Portfolio types | growney | Revolut UK |
|---|---|---|
| ETF | Yes | Yes |
| ESG | Yes | No |
| Cash | Yes | Yes |
| Crypto | No | Yes |
| Account types | growney | Revolut UK |
|---|---|---|
| ISA | No | Yes |
| Joint | Yes | Yes |
| Corporate | Yes | No |
The bill, worked out
10,000 invested for a year
growney
38 to 68
0.38% to 0.68% of 10,000
Revolut UK
0
0% of 10,000
Revolut UK comes out 38 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.
Availability and regulation
| Country | growney | Revolut UK |
|---|---|---|
| Cyprus | Not confirmed | Cyprus Securities and Exchange Commission (CySEC) MiCA CASP 549300ET4IUR6RCZOL84 |
| Germany | Not confirmed | |
| Lithuania | Not confirmed | LT_BL PSD_EMI LT_LT_BL_304940980 |
| United States | Not confirmed | SIPC SIPC member 70365 |
What we checked
growney
- growney.de: 10 facts, 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 | growney | Revolut UK |
|---|---|---|
| Legal entity | growney GmbH | Revolut Digital Assets (Europe) Ltd |
| Headquarters | Germany | Cyprus |
| Founded | 2014Lower | 2015 |
| Support channels | Phone, Chat, Email, Help centre | Email, Chat, Phone, Help centre |
Brokers
| Fact | growney | Revolut UK |
|---|---|---|
| Markets | ETFs, Funds | Not confirmed |
| Audience | Beginners | Not confirmed |
| Deposit and withdrawal fees | Tages- und Festgeld kostenlos | Not confirmed |
| Interest on cash | 2.25% | Not confirmed |
Where each stands against the rest
| Fact | growney | Revolut UK | Median |
|---|---|---|---|
| Management fee | 0.38% to 0.68%above the median | 0%lowest quarter | 0.35 |
| Minimum investment | €25at the median | Not confirmed | €25 |
Median across 87 listed brokers.
Pros and cons
growney
Pros
- Day and fixed-term deposits carry no deposit or withdrawal charge.
- German supervision through BaFin and the Deutsche Bundesbank, with protection at EU ICS up to EUR 20,000.
- Help runs on phone, chat and email, so a first-time investor has several routes to an answer.
Cons
- The management fee of 0.38% to 0.68% a year is the main ongoing cost, sitting above providers charging 0%.
- Instruments run to etfs and funds, so there is no direct share dealing here.
- Account types are limited to joint and corporate.
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
growney
Who it suits
- Beginners in Germany who want savings and a managed portfolio without choosing holdings themselves.
- Couples and companies, since joint and corporate accounts are supported.
- Anyone who wants day and fixed-term deposits alongside an invested plan.
Who should look elsewhere
- Not eToro, which charges 0% in management fees and suits people who place trades themselves.
- Not Axos Invest, whose minimum starts at $100 against €25 here.
- Not Vivid Standard, where plans run at 0.5% to 1.5% a year against 0.38% to 0.68% here.
Revolut UK
Who it suits
- Customers seeking ETF, cash and crypto holdings
- Households needing ISA and joint account structures
Country by country
| Country | growney | Revolut UK |
|---|---|---|
| Germany | Yes | No |
Questions about each
growney
What does growney charge to manage my money?+
growney takes a management fee of 0.38% to 0.68% a year on the portfolio it runs. That is the main ongoing cost, and it sits in the middle of the robo-advisor range, where the upper quartile reaches 0.6%. Day and fixed-term deposits add no deposit or withdrawal charge.
How much do I need to start with growney?+
The minimum investment is €25, below the robo-advisor median of €60.06. A low entry suits a beginner trying a managed approach, and it makes it easy to hold a small portfolio while the rest of the money sits in savings.
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.