Revolut wants in on the American financial game. Now, how do you crash the US banking party when the velvet rope is tighter than your grandma’s secret spaghetti sauce recipe? You buy your way in, that’s how.

That’s the latest scoop, Revolut’s mulling over snapping up a US bank to get a banking licence faster and skip that dreaded, snail-paced process of applying from zero. Epic move!

Revolut weighs buying US bank to get licence https://t.co/YTVJXzbAlV

— Financial Times (@FT) July 30, 2025

Buying a bank or applying for a licence?

Once upon a time, getting a US banking charter was like waiting in line for the DMV on a Monday morning, slow, painful, and full of paperwork.

But thanks to Trump’s deregulatory hustle, the OCC might just roll out the red carpet a little quicker these days for fintech players wanting a piece of the pie.

Still, Revolut’s playing it smart, weighing options between buying a licensed, nationally chartered bank, or grinding through applying for a license fresh, both roads with their own detours and potholes.

Revolut’s chasing that American dream not just for kicks, but because the UK fintech scene’s growth is hitting a bit of a wall.

Winning that licence in the US means grabbing a gold mine of customers and deposits.

Think of it like expanding from your local pizza joint to a nationwide chain, more dough, more toppings, more everything.

Global domination

But hold on, this story’s got more legs. Revolut isn’t just stopping at the US.

No sir, they’ve got their eyes on the Middle East and Latin America too, recently snapping up an Argentine bank and floating talks for a billion-dollar funding round that values the company at $65 billion. Global domination? Maybe, maybe.

Serious player

Experts say securing a US banking licence won’t just unlock traditional banking doors, but it could pave the way for Revolut to bring back and boost its crypto and digital asset services stateside.

Remember how they halted crypto trading here in the US last fall because of regulatory headaches?

Well, conquering the banking licence could turn that frown upside down, making them a serious player against American fintech rivals in both conventional and cryptocurrencies.

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