Updated September 29, 2026 · BrokerCue Editorial Team
Revolut vs UNest
Where Revolut and UNest differ
| Compare |  Revolut |  UNest |
|---|---|---|
| Management fee | 0%Lower | 0.25% |
| Regulators | Financial Conduct Authority, Cyprus Securities and Exchange Commission (CySEC), LT BL, SIPC | SEC, SIPC |
| Investor protection | FSCS up to GBP 85,000 | SIPC up to USD 500,000 |
| Portfolio types | ETF, Cash, Crypto | ETF, ESG |
| Minimum investment | Not confirmed | $25 |
| Account types | ISA, Joint | Not confirmed |
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Key differences
- Revolut scores higher overall: 9.6 vs 8.6.
- Regulators: only Revolut offers Financial Conduct Authority, Cyprus Securities and Exchange Commission (CySEC), LT BL.
- Regulators: only UNest offers SEC.
- Revolut is licensed in 3 more countries.
- Management fee is lower at Revolut: 0% vs 0.25%.
- Portfolio types: only Revolut offers Cash, Crypto.
- Portfolio types: only UNest offers ESG.
Our verdict on each
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.
UNest
UNest suits parents and guardians saving for children through guided ETF portfolios on mobile and web, with support through help centre access for account questions. The pricing centres on management fee of 0.25% alongside account fee of $24, with minimum investment of $25 to start building balances over time.
Score breakdown
| Area | Revolut | UNest |
|---|---|---|
| Cost | 9.9HigherA management fee of 0% against a robo-advisor median of 0.35%, ranking 1 of 49 on that measure. | 8.5Management fee sits at 0.25% with account fee of $24 shaping ongoing pricing |
| Offer | 9.6Higher | 8.5Coverage centres on ETFs with portfolio choice across ETF and ESG via iOS app, Android app and web |
| Trust | 9.4Higher | 8.8Oversight listed as SEC and SIPC with cover noted as SIPC up to USD 500,000 |
Feature by feature
| Portfolio types | Revolut | UNest |
|---|---|---|
| ETF | Yes | Yes |
| ESG | No | Yes |
| Cash | Yes | No |
| Crypto | Yes | No |
Positions in our rankings
| Ranking | Revolut | UNest |
|---|---|---|
| Robo-advisors | 5 of 153 | 1 of 153 |
Sources behind this comparison
Revolut
- revolut.com: 7 facts, checked September 26, 2026
- esma.europa.eu: 2 facts, checked September 26, 2026
UNest
- unest.co: 5 facts, checked September 29, 2026
Every fact side by side
| Fact | Revolut | UNest |
|---|---|---|
| Legal entity | Revolut Digital Assets (Europe) Ltd | Not confirmed |
| Headquarters | Cyprus | Not confirmed |
| Founded | 2015 | Not confirmed |
| Support channels | Email, Chat, Phone, Help centre | Not confirmed |
Where each stands against the rest
| Fact | Revolut | UNest | Median |
|---|---|---|---|
| Management fee | 0%lowest quarter | 0.25%below the median | 0.35% |
| Minimum investment | Not confirmed | $25below the median | $100 |
Median across 67 listed brokers.
Pros and cons
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.
UNest
Pros
- Minimum investment of $25 and minimum deposit of $25 allow modest starts for child saving
- ETF and ESG choice through ETF and ESG supports values aligned portfolios for young savers
- Access across iOS app, Android app and web gives app led monitoring for busy parents
Cons
- Account fee of $24 adds to management fee of 0.25%, while ActivTrades asks minimum deposit of $0
- Market scope stays limited to ETFs, without stocks or bonds for wider allocation
- Support runs on help centre only, which limits direct contact for urgent queries
Who each suits
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).
UNest
Who it suits
- Parents saving for children through ETFs, where eToro offers broader markets but less child focus
- Values led savers seeking ESG options, where XTB suits wider trading rather than guided portfolios
Who should look elsewhere
- Active traders seeking broad markets, where eToro may fit better than UNest markets of ETFs
- Direct equity buyers seeking stocks, where ActivTrades may fit better than ETF only coverage
Country by country
| Country | Revolut | UNest |
|---|---|---|
| United States | No | Yes |
Questions about each
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.
UNest
What does UNest charge to manage an account+
UNest charges management fee of 0.25% plus account fee of $24. That mix matters for small balances, as flat charges weigh more when balances stay modest. Check how regular contributions interact with those charges before you commit.
What minimum applies to open and fund an account+
UNest sets minimum deposit of $25 and minimum investment of $25. Those thresholds allow modest opening contributions and regular additions. You can plan contributions around those levels rather than larger lump sums.
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