Revolut the British digital finance firm is considering bold expansion moves in the United States as part of its global growth strategy. It is weighing either acquiring an existing U.S. bank or applying directly for a banking license in the country. With a user base of 65 million globally the company already surpasses major traditional banks in scale. It now hopes to more deeply embed itself in the U.S. financial ecosystem.
To support broader ambitions the firm aims to raise its valuation via a secondary share sale targeting 75 billion dollars. Its current revenue still trails legacy banks, but its rapid growth underscores how much ground remains for fintech firms to disrupt financial services. As part of its plans in its home market the U.K. Revolut intends to launch credit products and unsecured lending, contingent on securing a long delayed banking license.
Its roadmap includes a commitment to invest 13 billion dollars globally over the next five years with about 4 billion earmarked for the U.K. The U.S. move is a critical part of repositioning itself as a truly global digital bank rather than a payments or neobank niche. By acquiring regulatory footing in the U.S. it would gain access to deeper capital markets, greater legitimacy, and a base for serving American customers more fully.
There are challenges. Regulatory hurdles are high, compliance demands are intense, and legacy banks will not yield territory easily. But Revolut’s aggressive posture signals how fintech firms see opportunity in the gaps left by traditional banking models. The push into the U.S. marks a key test of whether a nonbank can transform itself into a fully chartered financial institution on a global scale.
