Why Revolut’s journey to become a UK bank is taking so long

Key Points

Revolut was granted a banking license with restrictions in July 2024 from the U.K.’s Prudential Regulation Authority (PRA).
A year on, the fintech giant is still in a “mobilization” phase which limits the amount of customer deposits it can hold.
Analysts say there are a number of reasons why Revolut’s authorization process is taking longer than expected, from regulatory issues to its sheer size.

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