eToro vs Revolut

eToro vs Revolut: which one leaves you with more

Choosing between eToro and Revolut is rarely about the logo. What matters is how much you actually keep once both the visible fee and the hidden margin are added up. That is the gap we measure here.

In our comparison, eToro sits in the broker group and works with Currencies, Cryptocurrencies, while Revolut sits in broker with support for Currencies, Cryptocurrencies, Precious metals. Those two labels say quite a lot about which jobs each one is built for.

Further down this page we walk through our method, what each one is good at and which one fits which situation. Because the rates are live, today’s result is not set in stone.

The fee is only half the story

A low or zero fee looks attractive, but it says little about the total cost. A provider can still earn its money on the rate. On a large amount, a small margin can add up to more than a fixed fee would.

For this reason our comparison combines the fee and the rate margin into one number. One provider may charge a clear fee with a tight rate, another may skip the fee and widen the rate. Only the amount that arrives tells you who is really cheaper.

Other costs can matter too: card payment fees, surcharges for weekends or rare currencies, and costs on the receiving side. We include what is published, but it pays to double-check before a large transaction.

Regulation and safety

Before you look at cost, check who is looking after your money. Regulated financial services are licensed or registered with a supervisor in the countries where they operate. Providers normally list their licence and the supervising authority on their website.

An important question is safeguarding: customer funds should be kept separate from the company’s own money, so they are protected if the company runs into trouble. Safeguarding is not the same as a deposit guarantee, so a transfer app is no replacement for a savings account.

Crypto exchanges deserve extra scrutiny: ask about registration, custody and withdrawal options. And on any platform: turn on 2FA and never reuse passwords.

Two rivals in the same category

eToro and Revolut belong to the same category, broker, so this is a like-for-like comparison. They solve the same problem, so price, speed and coverage decide.

Look at coverage first: supported currencies, countries and payment methods. eToro covers Currencies, Cryptocurrencies, Revolut covers Currencies, Cryptocurrencies, Precious metals. A small gap in coverage can matter more than a small price difference.

Then compare price on the route you actually use, plus limits, verification and the quality of the app. Since both play in the same league, switching later is usually easy.

How we calculate the cost

There are two parts to the price of any conversion: the fee you see and the markup on the rate that you often do not. We compare the rate each provider gives you with the live mid-market rate, the midpoint between buy and sell prices on the wholesale market. Fee plus margin gives the real cost.

We test a range of sample amounts, small, medium and large, because fixed fees and percentage fees behave differently. Rates refresh every 30 minutes and fees come from the providers’ published fee schedules. Special offers or paid plans can change the price you actually pay.

This comparison is independent. Affiliate links help pay for the site, but the ranking is based on cost alone. The numbers decide, not the commission.

The right choice depends on what you do

When you travel, look at card fees, cash withdrawal limits and weekend surcharges, not just the transfer price. A multi-currency account with a card is usually the most practical tool.

For transfers to family or bills abroad, compare the received amount for your usual sum. With bigger sums, ask about limits and extra checks before you start.

If you want to buy crypto, you need a platform that actually supports crypto, and you should compare spreads and withdrawal costs. Business users often need other features, such as multiple users and bulk payments. Nothing here is investment advice.

Verdict: Revolut comes out cheaper

In 3 of 3 comparisons that both providers offer, Revolut left you with more money at live rates. On price alone, that makes Revolut the default pick.

That does not make eToro the wrong choice. The scenario table above shows the routes where eToro does better, and if your own transfer matches one of those rows, the overall tally matters a lot less.

Price is also not the only factor. Speed, limits and the way you pay in can tip the balance toward eToro. For small sums, those practical points can outweigh the price difference.

Can you use eToro and Revolut together?

Many people do not use one provider for everything. A second account gives you a backup and an easy price check. Expect to verify your identity with each provider separately.

Before every larger transfer, compare live quotes here first, since rates move and the cheaper side can flip. It takes a minute and can save real money.

Before you close an account, make sure no balance or scheduled transfer is left behind and keep a copy of your transaction history.

Small amounts vs large amounts

The cheapest choice for a small amount is not always the cheapest for a large one. Fixed fees hit small transfers hardest; percentage margins hit large ones hardest. Our scenario table reflects this by testing several amounts.

If you move larger sums regularly, check whether tiered pricing applies, and your own price may then be better than the one shown. With eToro or Revolut, check the current terms before you move a significant sum.

Delivery time and ease of use

The fastest delivery we have on record for eToro is Instant; for Revolut it is Instant. That is the quickest route, not the usual one for every transfer. A first transfer often takes longer because of identity checks.

Speed often depends on how you pay. Paying by card tends to be faster, and sometimes more expensive, than a standard bank transfer. If the money is not urgent, the slower and cheaper route is often the smart choice.

Then there is everyday use: a clear app, transfer tracking and quick support make a difference when something goes wrong. A small test transfer tells you more than any review.