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.
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