Revolut Targets $65 Billion Valuation: What Startups Can Learn from Europe’s Fintech Giant

Revolut, one of Europe's leading fintech companies, is reportedly gearing up for a fresh round of fundraising that could propel its valuation to an astonishing $65 billion. This development comes just a year after the company was valued at $45 billion through secondary share sales.

Revolut’s Growth Trajectory

Based in the UK, Revolut is currently in talks to raise roughly $1 billion, a mix of both new shares and existing ones. The US-based investment firm Greenoaks is purportedly leading the round, though the deal is not yet finalized and conditions remain fluid. This new capital injection follows a stellar 2024 for Revolut, during which it saw revenues increase by 72% and reported a profit of $1 billion. The user base has also surged, with over 50 million customers now spanning more than 30 countries—helped by Revolut finally securing its long-awaited banking license in the UK last year.

This significant leap in valuation, if secured, would further anchor Revolut’s status as one of Europe’s most valuable tech startups. The company has consistently declined to comment on the current fundraising talks.

Deep Founder Analysis

Why it matters

Revolut’s pursuit of a $65 billion valuation is a clear signal of the intensifying competition and scaling ambitions within the global fintech space. Its rapid user growth, expanding regulatory approvals, and sustained profitability demonstrate that European fintechs can operate—and win—at a scale long dominated by US and Asian giants. For founders, this shift spotlights the growing investor appetite for fintechs with robust global expansion strategies and regulatory readiness. It sets a benchmark for both newcomers and established players on how digital banking platforms can achieve mass-market adoption and financial resilience.

Risks & opportunities

One risk is the high bar Revolut sets for profitability and user growth; competitors may take on unsustainable risks in an effort to match its trajectory. On the opportunity side, Revolut’s cross-border model unleashes demand for third-party solutions that help fintechs manage compliance, onboarding, and operations across multiple jurisdictions. The fintech sector’s ability to attract billion-dollar rounds—even amid scrutiny of tech valuations—underscores opportunities for startups specializing in B2B fintech infrastructure, such as KYC/AML automation or open banking APIs.

Startup idea or application

Inspired by Revolut’s journey, an actionable startup idea is a compliance-as-a-service platform tailored to mid-sized fintechs expanding internationally. The platform could streamline regulatory approval processes, localize onboarding workflows, and centralize reporting—removing a huge friction point seen in Revolut’s early expansion years. Another direction: enable seamless integration between multiple fintech products (wallets, investments, credit) for multi-country users, effectively building the “Plaid for global fintech.”

Revolut’s Market Momentum and What’s Next

The current round underlines persistent investor optimism in digital banking’s ability to transform financial services delivery. As Revolut continues to expand its offerings and geographic reach, its growth can inspire fintechs—especially in emerging markets or highly regulated environments—to double down on regulatory strategy, data-driven growth, and operational efficiency. Learn more about fundraising trends in fintech.

Fintech Startup Lessons Revolut Growth Strategy Funding

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