Is Betterment or Revolut better?

Neither clearly leads. Betterment starts at On request and Revolut at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.

Which is cheaper, Betterment or Revolut?

Revolut has a free tier; the other does not. Paid plans start at On request for Betterment and Free for Revolut.

Does Betterment or Revolut run on more platforms?

Betterment runs on Web, iOS, Android. Revolut runs on iOS, Android, Web.

Can I use Revolut for free?

Yes. Revolut has a free tier, so you can try it without paying. Betterment starts at On request.

What is Betterment best used for?

Betterment is most often used for automated portfolio management, high-yield cash savings, self-directed investing. Of those, automated portfolio management and high-yield cash savings are not what Revolut is typically brought in for.

What can Betterment do that Revolut cannot?

Betterment covers Automated investing, Retirement planning, Financial advisory, Goal tracking. Revolut covers Multi-currency accounts, Revolut Bank EEA deposits, Stock, crypto and commodity trading, Budgeting and spending analytics.

Personal Finance · head to head

Betterment vs Revolut

Betterment

Personal Finance

Your path to financial independence

From: On request
Rated: -

Full review Website

Revolut

Personal Finance

Multi-currency financial app operating as a licensed bank in parts of the EU and as an e-money institution elsewhere

From: Free
Rated: -

Full review Website

The short version

Only Revolut has a free tier, so it costs nothing to try first.
Each has a real cost: Betterment digital automated investing charges $5 per month fee for accounts under $24,000 balance; Revolut uK customer balances have historically been held under an e-money institution licence, meaning they are not covered by the Financial Services Compensation Scheme the way a traditional UK bank deposit is, even though Revolut was granted a restricted UK banking licence in 2024.
They diverge on capability: Betterment covers Automated investing, Revolut covers Multi-currency accounts.
Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Betterment and Revolut actually diverge.

Attributes where Betterment and Revolut differ
Attribute	Betterment	Revolut
Starting price	On request	Free
Pricing model	subscription	Free standard tier; paid plans add higher limits, insurance and perks
Free tier	No	Yes
Platforms	Web, iOS, Android	iOS, Android, Web
Founded	2008	Unknown

Identical on both: user rating (Not yet rated), category (Personal Finance).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Betterment

Automated investing
Retirement planning
Financial advisory
Goal tracking
Bank accounts
Investment accounts
Web support
IOS support

Only in Revolut

Multi-currency accounts
Revolut Bank EEA deposits
Stock, crypto and commodity trading
Budgeting and spending analytics
Virtual and disposable cards
Business accounts (Revolut Business)

What people use each for

The jobs each tool is most often brought in to do.

Betterment

Automated portfolio managementnot Revolut
High-yield cash savingsnot Revolut
Self-directed investingnot Revolut

Revolut

Someone travelling or living across multiple currencies who wants low-cost exchange and spending in one accountnot Betterment
A user in the EEA who wants their balance held with a licensed bank covered by a deposit guarantee schemenot Betterment
A UK-based user who understands their balance sits under e-money safeguarding rather than FSCS bank protection, and is comfortable with thatnot Betterment
An investor wanting stock or crypto trading integrated with everyday spending in a single appnot Betterment

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Betterment

Digital automated investing charges $5 per month fee for accounts under $24,000 balance
Premium advisory service requires minimum balance of $100,000 in eligible investments
Foreign transaction fees apply to checking account (though reimbursed after the fact)
High-balance fee discounts only available above $1,000,000 account balance

Revolut

UK customer balances have historically been held under an e-money institution licence, meaning they are not covered by the Financial Services Compensation Scheme the way a traditional UK bank deposit is, even though Revolut was granted a restricted UK banking licence in 2024.
Regulatory status differs by country of use, EEA versus UK versus other markets, so the actual protection on a given balance depends on where the account is domiciled, not on the brand alone.
Customer service has been a recurring complaint, with account freezes for fraud checks sometimes leaving customers unable to access funds for extended periods with limited direct human contact.
The free tier caps fee-free currency exchange at a monthly allowance, after which a fair usage fee applies, so heavy multi-currency users may need a paid plan to avoid extra charges.
The breadth of features, banking, trading, crypto and business accounts, spans multiple regulatory regimes and legal entities, which makes the overall structure harder for a typical customer to fully understand than a single-licence traditional bank.

Pricing, plan by plan

Betterment

On request

Automated Investing$null/month
- AUM-based or flat monthly advisory fees
Premium Service$0.4/percent of AUM
- Requires $100,000 minimum balance
Self-Directed InvestingFree
- No wrap fee
High-Yield Cash$4/APY promotional
- $10 minimum deposit
- New customer boost through 1/15/2027

Revolut

Free

StandardFree
- Free multi-currency spending up to a monthly exchange allowance
- Basic budgeting tools
- UK balances held under e-money safeguarding, not FSCS-protected as a standard bank deposit
Premium$7.99/month
- Higher free exchange allowance
- Travel insurance and card delivery perks
- Priority customer support
Metal$14.99/month
- Cashback on card spending
- Higher limits across features
- Metal card and additional insurance cover

Which should you pick?

Choose Betterment if

You need automated investing.
You work on Web, iOS, Android.
You also want retirement planning.

Betterment review

Choose Revolut if

You need multi-currency accounts.
You want to start without paying.
You work on iOS, Android, Web.
You also want revolut bank eea deposits.

Revolut review

Questions people ask

Is Betterment or Revolut better?: Neither clearly leads. Betterment starts at On request and Revolut at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Betterment or Revolut?: Revolut has a free tier; the other does not. Paid plans start at On request for Betterment and Free for Revolut.
Does Betterment or Revolut run on more platforms?: Betterment runs on Web, iOS, Android. Revolut runs on iOS, Android, Web.
Can I use Revolut for free?: Yes. Revolut has a free tier, so you can try it without paying. Betterment starts at On request.
What is Betterment best used for?: Betterment is most often used for automated portfolio management, high-yield cash savings, self-directed investing. Of those, automated portfolio management and high-yield cash savings are not what Revolut is typically brought in for.
What can Betterment do that Revolut cannot?: Betterment covers Automated investing, Retirement planning, Financial advisory, Goal tracking. Revolut covers Multi-currency accounts, Revolut Bank EEA deposits, Stock, crypto and commodity trading, Budgeting and spending analytics.

Answered from the vendors’ own pages

Betterment: What is the minimum to start investing with Betterment?

Betterment requires only $10 to open an account and begin either automated or self-directed investing.

Source

Revolut: Is my money safe with Revolut?

It depends on your country. EEA balances are held with a Lithuanian-licensed bank and generally covered by deposit guarantee up to 100,000 euro; UK balances have historically sat under e-money safeguarding rather than FSCS bank protection, though Revolut has been working toward full UK banking status since gaining a restricted licence in 2024.

Betterment: How much does Betterment's Premium Service cost?

Premium Service charges an additional 0.40% fee on your invested balances and requires a minimum account balance of $100,000.

Source

Revolut: Is Revolut a bank?

In the EEA, yes, through Revolut Bank UAB, licensed in Lithuania. In the UK, it has historically operated as an e-money institution and was granted a restricted banking licence in 2024, with full UK banking status pending completion of a mobilisation period.

Betterment: What APY does Betterment's High-Yield Cash offer?

High-Yield Cash offers 3.25% base APY plus a new customer boost of 0.75% APY (up to $1M) through January 15, 2027, totaling 4.00% promotional APY.

Source

Revolut: Does Revolut charge for currency exchange?

Exchange is free up to a monthly allowance on the standard tier, after which a fair usage fee applies; paid plans raise or remove that allowance.

Betterment: Does Betterment charge a wrap fee on self-directed accounts?

No, Betterment waives its wrap fee for self-directed investing accounts, allowing customers to invest without advisory fees.

Source

Betterment vs Revolut

Betterment

Revolut

The short version

Where they differ

What each one covers

Only in Betterment

Only in Revolut

What people use each for

Betterment

Revolut

Where each one falls short

Betterment

Revolut

Pricing, plan by plan

Betterment

Revolut

Which should you pick?

Choose Betterment if

Choose Revolut if

Questions people ask

Answered from the vendors’ own pages

Related pages

More on Betterment

More on Revolut

Keep looking

Other head to heads