Digital Banking Giant Revolut Pushes for $65B Valuation Post $45B Milestone and Market Growth

Digital banking giant Revolut is eyeing a staggering $65 billion valuation in its latest funding push—a massive leap from the $45 billion benchmark set just last year. The London-based neobank aims to raise around $1 billion through a combination of primary (new shares) and secondary (existing shareholder sales) financing, positioning itself as one of the most valuable fintechs globally.

Investors Rally Behind Revolut’s Growth

Leading the charge is Greenoaks Capital, a key backer in Revolut’s previous rounds, alongside anticipated participation from Dragoneer, Coatue, and Abu Dhabi’s sovereign wealth fund Mubadala, which is reportedly eyeing a $100 million stake. The funding structure is noteworthy: while new shares may reflect a lofty $75 billion valuation, secondary shares are expected to trade closer to the $45 billion mark, balancing fresh capital infusion with liquidity for early stakeholders.

This investor confidence isn’t unfounded. Revolut posted $4 billion in revenue last year—a 72% surge—and netted $1 billion in profit, a rare feat in the often loss-making fintech sector[1][3].

How Revolut Turned Regulatory Hurdles Into Strength

Revolut’s journey hasn’t been without turbulence. For years, it faced scrutiny over compliance and anti-money laundering controls, delaying its coveted UK banking license. However, 2024 marked a turning point: the license was secured, unlocking lending services and mortgage offerings in its core market.

“The UK license was the final puzzle piece,” says a fintech analyst familiar with Revolut’s trajectory. “It legitimized their model and opened high-margin revenue streams, making their $65 billion ask plausible”.

Why the Valuation Jump Matters

At $65 billion, Revolut would dwarf European peers and rival global giants like Stripe, signaling a sector-wide shift toward profitable, scalable digital banking.

Yet challenges linger. The company must now operationalize its UK license fully—reports suggest it risks missing a regulatory deadline—and prove it can sustain growth amid intensifying competition.

The Bottom Line

Revolut’s latest funding round isn’t just about capital; it’s a statement. With robust financials, heavyweight backers, and hard-won regulatory wins, the neobank is staking its claim as a global fintech leader—one billion-dollar milestone at a time.