Revolut Eyes US Bank Buyout to Accelerate American License Bid

British fintech and neobank Revolut is contemplating buying a US financial institution to speed up its entry into the American market. In response to a latest report by The Monetary Occasions, revealed on 30 July 2025, Revolut is eyeing the acquisition of a nationally chartered financial institution that already holds a license.

If this goes via, Revolut will have the ability to skip the often-lengthy process of buying a banking license from scratch. By shortening the method of securing an impartial banking constitution, Revolut will have the ability to simplify its lending capabilities within the American market.

The report additionally signifies that the UK-based neobank is contemplating making use of for its personal US banking license as a substitute for buying an current chartered establishment.

UK’s chancellor pushes for Revolut to exit licence ‘mobilisation’ part.

Financial institution of England says no: regulatory independence above fintech favoritism.

Revolut’s UK licence clock expired July 25—with no full authorisation in sight. In the meantime, the corporate considers shopping for a US financial institution…

— Oscar Jeppesen (@Investor1Fact) July 30, 2025

Revolut has been eying a US market enlargement for a while now. It has 60 million customers worldwide as of now, and an entry within the US, because the world’s largest monetary market, is predicted to spice up its deposits in distinction to the slowdown that many UK fintech firms are presently going through.

In response to the Monetary Occasions report, Trump’s deregulatory push has led buyers and corporations to imagine that the financial institution constitution course of could be sped up by the Workplace of the Comptroller of the Foreign money.

Revolut, in consequence, is fastidiously contemplating its choices earlier than making a concrete transfer.

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Revolut Seeks To Scale Through Expansions In The Center East, Latin American Market

Reportedly, Revolut is presently amidst discussions for a funding spherical that will enhance its valuation to round $65 billion, in response to the Monetary Occasions. The corporate will allocate a portion of the raised capital to additional its enlargement plans sooner or later.

Revolut has explored comparable acquisition alternatives in different areas as part of its broader enlargement technique, together with plans to purchase a financial institution within the Center East. Moreover, simply final month, it finalised the acquisition of the Argentinian lender Cetelem from BNP Paribas.

Whereas it additionally holds a banking license in Lithuania, which grants Revolut entry to the European Union and Mexico, the corporate has but to attain a banking license within the UK. Whereas its utility was accredited final yr, regulatory restrictions within the area have continued to restrict its lending operations.

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Revolut Buying US Financial institution License: Might Reboot Digital Asset Play

Revolut’s international ambitions, nonetheless, are past simply conventional banking. The corporate already presents crypto buying and selling throughout the UK and the European Financial Space (EEA) and has resumed restricted companies in Hungary final week.

A brand new laws in Hungary required crypto companies to safe home licenses, resulting in a pause earlier in the summertime.

Revolut stopped its crypto choices within the US in October 2023 amid regulatory uncertainty. Now that views have modified, its pursuit of a banking license can doubtlessly clear a pathway for the corporate to supply a broader vary of companies within the US, together with digital belongings.

Nonetheless, all of it will depend on whether or not its utility is accredited or not.

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