# 金融時報報導，Revolut 計劃申請美國銀行執照。

*fintech · news · 2026-01-23 · Cointelegraph*

## Key points

- Revolut 已放棄收購美國銀行的計劃，將尋求新設立的美國銀行執照。
- Revolut 正透過貨幣監理署（OCC）申請其美國銀行執照。
- 公司認為在川普政府對加密貨幣友善的立場下，美國批准可能更快。
- 收購社區銀行將要求 Revolut 維持實體分行網絡。
- Revolut 最近在哥倫比亞和墨西哥取得銀行執照，並在賽普勒斯取得加密貨幣執照。

Crypto-friendly fintech unicorn Revolut plans to apply for a banking license in the United States, abandoning earlier plans to acquire a local lender as it seeks to expand its global presence, the Financial Times reported Friday. The United Kingdom-based fintech has been in discussions with US officials about applying for a bank license through the Office for the Comptroller of the Currency (OCC), the newspaper reported Friday, citing people familiar with the matter. The move, if confirmed, would be a milestone in strategy for Revolut, which said in September 2025 that it was exploring the purchase of a US bank to accelerate its global expansion. Founded in the UK, Revolut unveiled its global strategy in 2025 and committed $13 billion in investment over the following five years to support international growth. Following a share sale in November, Revolut was valued at $75 billion, placing it among the world’s most valuable fintechs. Revolut hopes for faster US approval amid Trump’s deregulatory push “It is our ambition to be a bank in the US,” Revolut US CEO Sid Jajodia reportedly said last year, adding: “We would love to get a banking license soon, because it’s part of our objective to scale in the market.” The exec stressed that the company was still evaluating the pathways as of September 2025, adding that anything regulators can do to simplify the process would be helpful. “A year is a long time in a tech space, so speed is critical,” Jajodia said at the time. According to the report, Revolut opted to pursue a US banking license rather than acquire a local lender, betting the approval process could move more quickly under a crypto-friendly regulatory stance of the Trump administration. Additionally, acquiring a community bank could have obliged Revolut to maintain physical branch networks, the sources said. “We continue to actively explore all options, including a de novo bank license application,” a spokesperson for Revolut told Cointelegraph. Revolut yet to fully roll out as a bank in the UK Revolut has said that becoming a fully fledged UK lender was its “number one” priority, yet the company is yet to fully roll out as a bank with all services available to UK customers. It received a restricted banking license from the UK’s Prudential Regulation Authority in 2024. Related: Revolut targets remittances and new banking license in Peru: Report As part of its broader global expansion push, Revolut has been securing regulatory approvals in other markets in the past few months. In late 2025, the company said it received banking licenses in Colombia and Mexico, and in October, obtained a Markets in Crypto-Assets Regulation license from the Cyprus Securities and Exchange Commission.

**Companies:** Revolut
**Countries:** United Kingdom, United States, Colombia, Mexico, Cyprus

[Read the full story on Cointelegraph](https://cointelegraph.com/news/revolut-us-banking-license-global-expansion)

---

Canonical: https://newsio.io/zh-TW/n/a44d2af2-6cb0-4a10-b1a8-2f724b9fbe31/revolut
Summarized by Newsio from Cointelegraph. https://newsio.io/how-it-works