{"id":508093,"date":"2025-07-30T13:03:01","date_gmt":"2025-07-30T17:03:01","guid":{"rendered":"https:\/\/www.paymentsjournal.com\/?p=508093"},"modified":"2025-07-30T13:03:05","modified_gmt":"2025-07-30T17:03:05","slug":"revolut-faces-roadblocks-on-its-journey-from-fintech-to-bank","status":"publish","type":"post","link":"https:\/\/www.paymentsjournal.com\/revolut-faces-roadblocks-on-its-journey-from-fintech-to-bank\/","title":{"rendered":"Revolut Faces Roadblocks on Its Journey from Fintech to Bank"},"content":{"rendered":"\n<p>The UK\u2019s most valuable fintech was granted a banking license a year ago, yet Revolut still hasn\u2019t been given the green light to operate as a fully fledged financial institution.<\/p>\n\n\n\n<p>Instead, Revolut remains in a holding pattern, limited to holding \u00a350,000 in total customer deposits\u2014billions of pounds lower than leading UK banks like Barclays, HSBC, or Santander.<\/p>\n\n\n\n<p>In this mobilization phase, Revolut <a href=\"https:\/\/www.cnbc.com\/2025\/07\/30\/revolut-uk-bank-delays.html\" target=\"_blank\" rel=\"noreferrer noopener\">operates as an e-money unit<\/a> rather than a bank. This means the fintech\u2019s UK customers aren\u2019t protected by the government\u2019s Financial Services Compensation Scheme, which insures consumers up to \u00a385,000 if their bank goes under.<\/p>\n\n\n\n<p>One of the main reasons Revolut\u2019s evolution has been delayed is the company\u2019s size. Revolut has over 10 million customers in the UK alone and operates in over 40 countries. In contrast, no other organization has ever pursued the UK\u2019s banking license process with more than 500,000 customers.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-getting-the-transition-right\">Getting the Transition Right<\/h2>\n\n\n\n<p>In addition to Revolut\u2019s scope, UK regulators have had compliance concerns regarding the fintech. Last year, the company was found to have <a href=\"https:\/\/www.paymentsjournal.com\/revoluts-security-measures-in-question-after-app-fraud-surge\/\">far more fraud complaints<\/a> than traditional UK lenders like Barclays. The high incidence of fraud\u2014mostly carried out through automated push payment fraud tactics\u2014called Revolut\u2019s fraud defenses into question.<\/p>\n\n\n\n<p>The combined concerns about scale and compliance measures have made the fintech\u2019s transition into a bank a daunting process for regulators, who are focused on getting the transition right. However, according to CNBC, Revolut still believes it is on track to become a fully regulated bank this year.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-buying-into-the-market\">Buying Into the Market<\/h2>\n\n\n\n<p>The issues that have dogged Revolut\u2019s banking transition have caused it to consider a different tack in the U.S. According to the Financial Times, Revolut could bypass the lengthy banking charter application process by <a href=\"https:\/\/www.ft.com\/content\/38aa4eb9-7f94-4efa-b42d-14a210953973\" target=\"_blank\" rel=\"noreferrer noopener\">buying its way<\/a> into the U.S. market.<\/p>\n\n\n\n<p>In this scenario, Revolut would target an inexpensive bank that already holds a U.S. banking license, unlocking a substantial new customer base for the fintech. This is a real possibility for Revolut: the company currently has a $45 billion valuation but is <a href=\"https:\/\/www.ft.com\/content\/c93e33ad-450d-446f-b9c5-e877e3b07b25\" target=\"_blank\" rel=\"noreferrer noopener\">considering a deal<\/a> that could both substantially increase its valuation and provide the funds needed for global expansion.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The UK\u2019s most valuable fintech was granted a banking license a year ago, yet Revolut still hasn\u2019t been given the green light to operate as a fully fledged financial institution. Instead, Revolut remains in a holding pattern, limited to holding \u00a350,000 in total customer deposits\u2014billions of pounds lower than leading UK banks like Barclays, HSBC, [&hellip;]<\/p>\n","protected":false},"author":8464,"featured_media":508094,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jnews-multi-image_gallery":[],"jnews_single_post":{"format":"standard","override":[{"template":"1","parallax":"1","fullscreen":"1","layout":"right-sidebar","sidebar":"default-sidebar","second_sidebar":"default-sidebar","sticky_sidebar":"1","share_position":"top","share_float_style":"share-monocrhome","show_share_counter":"1","show_view_counter":"1","show_featured":"1","show_post_meta":"1","show_post_author":"1","show_post_author_image":"1","show_post_date":"1","post_date_format":"default","post_date_format_custom":"Y\/m\/d","show_post_category":"1","show_post_reading_time":"0","post_reading_time_wpm":"300","post_calculate_word_method":"str_word_count","show_zoom_button":"0","zoom_button_out_step":"2","zoom_button_in_step":"3","show_post_tag":"1","show_prev_next_post":"1","show_popup_post":"1","number_popup_post":"1","show_author_box":"0","show_post_related":"0","show_inline_post_related":"0"}],"image_override":[{"single_post_thumbnail_size":"crop-500","single_post_gallery_size":"crop-500"}],"trending_post_position":"meta","trending_post_label":"Trending","sponsored_post_label":"Sponsored by","disable_ad":"0"},"jnews_primary_category":{"id":"14585"},"jnews_social_meta":[],"jnews_override_counter":{"view_counter_number":"0","share_counter_number":"0","like_counter_number":"0","dislike_counter_number":"0"},"footnotes":""},"categories":[1274,1280,64515,14585,64886],"tags":[54803,146,1175,791,64696],"class_list":["post-508093","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banking","category-digital-banking","category-emerging-payments","category-fintech","category-payments-news","tag-banking-license","tag-fintech","tag-fraud","tag-revolut","tag-uk"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Revolut Faces Roadblocks on Its Journey from Fintech to Bank - PaymentsJournal<\/title>\n<meta name=\"description\" content=\"The UK\u2019s most valuable fintech was granted a banking license a year ago, yet 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