Digital bank Revolut continues to make strategic moves in 2025, blending business expansion with product development and innovation.
As widely reported, Schroders Capital Global Innovation Trust, once managed by Neil Woodford, boosted its valuation of its Revolut stake by 85%, reportedly implying a $48 billion valuation for the company.
This comes as MSN noted the trust’s portfolio otherwise took a 21.2% hit, spotlighting Revolut as a bright spot.
Meanwhile, Revolut is shaking up the crypto sector as well, slashing fees by 96% on its Revolut X app, as reported by media outlets, while also working with UK regulators over interchange fee caps alongside Visa.
These moves signal Revolut’s push to dominate fintech and crypto markets, as it eyes a more comprehensive UK banking license and a potential IPO.
The Schroders upgrade is considered to be a vote of confidence in Revolut’s growth trajectory.
From a £5.4 million valuation two years ago, the trust now pegs its stake at £14.6 million, reflecting Revolut’s resilience amid a turbulent economic environment.
This nudges its valuation past the $45 billion mark set in a 2024 share sale, though it falls short of the $60 billion some shareholders hope for in a future float.
The Wall Street Journal reported that Revolut sees its long-awaited UK banking license as a gateway to IPO plans and global expansion.
With over 50 million users and a knack for overcoming market challenges, Revolut’s valuation surge underscores its appeal to investors betting on fintech’s future.
On the crypto front, Revolut rolled out Revolut X, a dedicated crypto trading app targeting young traders, positioning it as a rival to giants like Binance and Coinbase.
Media outlets have called this move a “landgrab” in the crypto space.
It’s also worth noting that Revolut slashed fees from as high as 149 basis points plus a 100-point spread to a flat 9 basis points with zero spread.
This 96% cut, launched across the UK and Europe, appears to sacrifice short-term profits for market share, aiming to lure users from high-fee platforms like Coinbase, which raked in $1.35 billion in Q4 2024 retail trading revenue.
Revolut’s 9 million crypto users may now have a compelling reason to stick around—or switch over.
Yet, not all battles are fought in the market.
Revolut and Visa are also challenging the UK Payment Systems Regulator’s proposed cap on interchange fees.
These fees, which fund rewards and innovation, are vital to fintechs like Revolut, which argues that the cap could potentially stifle competition and force new consumer costs elsewhere.
Internally, Revolut is adapting too.
Its “work from anywhere” policy persists, contrasting with JPMorgan’s push for office returns, seemingly giving Revolut an edge in talent acquisition.
It was also recently reported that Revolut U.S. CFO Michael Bond emphasized maturity in Revolut’s banking push, signaling a shift from startup uncertainty to regulated reliability.
Revolut’s 2025 strategy has several key aspects: a valuation soaring to $48 billion, a competitive crypto fee offering, and a regulatory focus.