Revolut: Integrated app offers edge over standalone brokers

Revolut says embedding investing in the same app customers use for pay, spend and travel creates recurring opportunities to promote long-term investing. The firm argues the integration gives it a distribution advantage compared with standalone brokers that interact with users mainly when they decide to trade.

Rolandas Juteika, Head of Wealth & Trading (EEA) at Revolut, framed the difference in user engagement: “Having continuous touchpoints in a customer’s daily financial life gives Revolut a structural advantage over standalone brokers.” He said the company can use routine interactions to guide customers toward regular investing habits.

Revolut serves more than 75 million retail customers worldwide, including about 13 million in the UK and more than 6 million in Spain. The company operates for roughly one million US customers through partner-bank arrangements and is seeking a national bank charter to launch its own US bank next year, subject to regulatory approval.

For context, BBVA reported about 82 million active customers globally earlier this year and Lloyds Banking Group serves roughly 28 million customers in the UK. Revolut has reached the level of the fourth-largest bank in Spain by customer penetration.

Users can receive salaries, spend, save, transfer money, exchange currency, track budgets and subscriptions, claim travel rewards, access airport lounges, buy eSIM data and invest within the same app. Revolut says those frequent interactions mean customers open the app for routine tasks and can be offered investment products even when they did not log in to trade.

Revolut reported that in 2025 eleven product lines each generated more than GBP100 million in revenue, and wealth revenue rose 31 percent to GBP663 million. Juteika described product features aimed at lowering barriers to investing, including automated investment plans, robo-adviser functions and access to diversified index products such as ETFs. “By offering automated investment plans, robo-adviser capabilities and easy access to diversified index products like ETFs, we remove the behavioural friction associated with traditional brokers, helping customers to seamlessly manage their wealth,” he said.

Reports into a Revolut-branded ETF have circulated; the company declined to comment on those reports, saying it was not providing a comment at this time.