Updated September 29, 2026 · BrokerCue Editorial Team
One (One Finance) vs Revolut
What sets them apart
| Compare |  One (One Finance) |  Revolut |
|---|---|---|
| Regulators | FINRA, SIPC, NMLS | 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, Crypto | ETF, Cash, CryptoCovers more |
| Management fee | Not confirmed | 0% |
| Minimum investment | $1 | Not confirmed |
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Key differences
- Regulators: only One (One Finance) offers FINRA, NMLS.
- Regulators: only Revolut offers Financial Conduct Authority, Cyprus Securities and Exchange Commission (CySEC), LT BL.
- Revolut is licensed in 3 more countries.
- Account types: only One (One Finance) offers IRA, Roth IRA.
- Account types: only Revolut offers ISA, Joint.
- Portfolio types: only Revolut offers Cash.
- Support channels: only Revolut offers Email.
Our verdict on each
One (One Finance)
One Finance offers a US robo portfolio of ETFs and crypto, wrapped in ira and roth ira accounts and backed by SIPC up to USD 500,000. It suits US savers who want automated retirement investing, a small starting amount and help by phone, chat or a help centre.
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 | One (One Finance) | Revolut |
|---|---|---|
| Cost | 9.6Entry amount of $1 sits well under €560.82, the level that three quarters of robo advisors fall below. | 9.9HigherA management fee of 0% against a robo-advisor median of 0.35%, ranking 1 of 49 on that measure. |
| Offer | 9.1 | 9.6Higher |
| Trust | 9.9Higher | 9.4 |
Positions in our rankings
| Ranking | One (One Finance) | Revolut |
|---|---|---|
| Robo-advisors | 11 of 153 | 5 of 153 |
Pick One (One Finance) if, pick Revolut if
Pick One (One Finance) if trust matter most.
Pick Revolut if cost, offer, and portfolio types matter most.
Where each is licensed and available
| Country | One (One Finance) | Revolut |
|---|---|---|
| United States | FINRA 310890 NMLS 2460509 | 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 |
Every fact side by side
| Fact | One (One Finance) | Revolut |
|---|---|---|
| Legal entity | One Finance, Inc. | Revolut Digital Assets (Europe) Ltd |
| Headquarters | United States | Cyprus |
| Founded | Not confirmed | 2015 |
| Support channels | Phone, Chat, Help centre | Email, Chat, Phone, Help centreCovers more |
Where each stands against the rest
| Fact | One (One Finance) | Revolut | Median |
|---|---|---|---|
| Management fee | Not confirmed | 0%lowest quarter | 0.35% |
| Minimum investment | $1below the median | Not confirmed | $100 |
Median across 67 listed brokers.
Pros and cons
One (One Finance)
Pros
- Retirement account choice of ira and roth ira for long-term savers.
- Registered with FINRA, SIPC and NMLS and backed by SIPC up to USD 500,000.
- Help on phone, chat and help centre, so a phone call is possible as well as chat.
Cons
- Built for the US market, with the entity based in the United States and accounts limited to ira and roth ira.
- Crypto sits in etf and crypto, which can add sharp swings to a portfolio.
- Across the brands compared here, 70.15% of retail money was lost, so losses should be expected.
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
One (One Finance)
Who it suits
- US savers building a retirement pot rather than trading frequently.
- People happy with an automated etf and crypto portfolio decided for them.
- Anyone who values phone, chat and help centre when they need help.
Who should look elsewhere
- UK and European investors, since Vivid Standard is set up in euro at €2.
- People starting with a much larger sum, who can compare Axos Invest and its $100 entry point.
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 | One (One Finance) | Revolut |
|---|---|---|
| United States | Yes | No |
Questions about each
One (One Finance)
What is the minimum investment at One?+
You can start from $1. That sits well under €560.82, the point that three quarters of the robo advisors compared here fall below. For anyone building a portfolio in stages, the entry amount is unlikely to be the obstacle.
Which accounts can I open?+
One offers ira and roth ira accounts. That is a retirement focus rather than a spread of general investment accounts, so the service is built around long-term saving in a US wrapper. If you want a taxable general account, this is not the range to look at.
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.