eToro vs Revolut.
eToro or Revolut for a monthly index buy? The same pattern priced through both price sheets, the protection behind each, who does your tax paperwork, and what leaving costs — side by side, verified, verdict-free.
Every figure verified against the brokers’ own price sheets: July 2026. Fee schedules reprice mid-year — if that date looks old, check the price sheet before acting.
The same buy, both bills
| Measure | eToro | Revolut |
|---|---|---|
| The bill this year | €0 | €0 |
| Twenty years of it | ≈ €0 | ≈ €0 |
The example pattern — €300 a month, no pot, a euro-listed fund. Your pattern is different: run yours through The Broker Bill
Where they differ
| Dimension | eToro | Revolut |
|---|---|---|
| Conversion | 0.75% | 1% |
| Protection | Cyprus ICF — up to €20,000 (the lower of 90% and €20,000, CySEC's formula) | Lithuanian investor insurance — a flat cap of €22,000 (no 90% tier; the scheme's own FAQ) |
| The cash | Client money segregated at EEA partner banks; euro balances ride eToro Money Malta Ltd, an e-money institution — a safeguarding account, not a bank deposit in your name. | App balances are real deposits at Revolut Bank UAB — €100,000 Lithuanian deposit insurance. The investments sit at the separate brokerage entity under the €22,000 investor scheme. Two firms, two safety nets. |
| The exit | No in-kind route out is published for European clients — leaving means selling (or a case-by-case support request). | No outbound transfer route for European ETFs is published (US-listed only, $35 a position) — leaving means selling. |
Where they match
- Available in All EU/EEA residents, on its own pages; the UK too, via its UK entity
- The monthly buy €0 · savings plan
- Recurring €0/yr
- Savings plan automatic · fractions
- Does your taxes in —
The honest notes
eToro
The most advertised name on the list, and the likeliest to be in your feed. For the record: ETF buys are commission-free, recurring investments exist, and a euro-account path now avoids currency conversion on euro-listed funds — the plumbing genuinely improved. But it's a trading platform first: the UCITS shelf only arrived in 2026, the account's native tongue is the dollar, and crypto and leveraged products share the room — a short or leveraged position there is a CFD even when it's dressed as a stock. It can hold a monthly index plan. It's a lot of machine for a job this small.
eToro — the fine print
eToro (Europe) Ltd — CySEC, licence 109/10
Zero-commission ETF buys, one-off or recurring (plans from $25 a month). The account's working currency is the dollar — a euro account buying euro-listed funds pays no conversion, its stated mechanics.
Recurring Investments from $25 a month; fractional from $10.
Client money segregated at EEA partner banks; euro balances ride eToro Money Malta Ltd, an e-money institution — a safeguarding account, not a bank deposit in your name.
No native withholding anywhere; the Club-tier “tax report” is informational — its own words — not a filing.
No in-kind route out is published for European clients — leaving means selling (or a case-by-case support request).
Revolut
The app half of Europe already carries, which is exactly its pitch: the investing lives where your card does. Two facts to keep separate: your cash sits at its bank, with a real deposit guarantee; your investments sit at its Lithuanian brokerage, under that country's separate, smaller investor scheme. The ETF shelf is a fraction of a full broker's, free trades are rationed by subscription tier, and the recurring "Investment Plans" are the genuinely commission-free route. As a first, small, automatic drip it works. If your plan outgrows the shelf, the switching section below is how you leave without a tax bill.
Revolut — the fine print
Revolut Securities Europe UAB — Bank of Lithuania (the brokerage); cash sits at Revolut Bank UAB
ETF Investment Plan — recurring buys, commission-free on every subscription tier (Revolut pre-funds the commission), from €1. One-off trades: your plan's monthly free allowance, then 0.25% (min €1). Currency exchange is free to €1,000 a month on the free plan — the 1% priced here is the over-allowance rate.
Investment Plans: recurring, commission-free, from €1, fractional.
App balances are real deposits at Revolut Bank UAB — €100,000 Lithuanian deposit insurance. The investments sit at the separate brokerage entity under the €22,000 investor scheme. Two firms, two safety nets.
No withholding on fund gains anywhere — you declare and pay yourself; its own help pages say so plainly.
No outbound transfer route for European ETFs is published (US-listed only, $35 a position) — leaving means selling.
No affiliate links — no broker pays me, and none of them knows it's on this page. The order is arithmetic, not sponsorship.
Education, not advice. Fee schedules change and brokers reprice — check the current price sheet before you open anything. Which broker suits you also depends on your country and your tax situation; I'm not a licensed adviser, happily.
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