澳大利亚审慎监管局(APRA)上周向Revolut Australia批准了完全银行执照，使其成为澳大利亚最新的银行[1]。Revolut Australia已拥有超过100万澳洲用户[1]，其母公司为欧洲最有价值的初创企业[1]。2025年全球收入达60亿美元(折合澳元85亿)，税前利润23亿美元(折合澳元33亿)[1]。
在澳大利亚高度集中的银行体系中，Revolut面临与主导市场的"四大"银行竞争的严峻挑战。澳大利亚四大银行在2023年持有了银行系统72%的资产[1]。更为复杂的是，消费者对现有金融服务的忠诚度极高——2023年研究表明，81%有交易账户的人在过去三年没有更换主账户[1]。此外，Revolut缺乏家庭贷款业务，而这是澳大利亚主流银行的核心收入来源。历史上，澳大利亚此前的三家数字银行(Volt Bank、Xinja、86 400)均未能成功维持独立运营[1]。
Revolut成立于2015年的伦敦[1]，在2018年获得欧洲专项银行执照，在2024年3月获得英国完全银行执照[1]。
Australia's financial regulator has approved Revolut Australia for a full banking license, marking the arrival of the country's newest bank in a market long dominated by a handful of major players [1]. The Australian Prudential Regulation Authority (APRA) granted the license to the fintech lender, which already serves more than one million Australian customers [1].
Revolut, founded in London in 2015, has grown into Europe's most valuable startup, boasting over 75 million customers globally [1]. The company reported global revenue of 8.5 billion Australian dollars in 2025, with pre-tax profit of 3.3 billion Australian dollars [1]. The company previously obtained a European specialist banking license in 2018 and secured a full banking license in the United Kingdom in March 2024 [1].
The entry into Australia comes as the nation's banking sector remains highly concentrated, with the "Big Four" banks holding 72 percent of total banking system assets as of 2023 [1]. However, Revolut will face significant headwinds in converting customers to long-term loyalty. Research from 2023 found that 81 percent of people with transaction accounts had not switched their primary account in the previous three years [1]. Australia's track record with digital banks also suggests challenges ahead: three previous digital banks—Volt Bank, Xinja, and 86 400—all failed to sustain independent operations [1].
