If you thought AI in banking was all hype and no substance, Revolut wants to change your mind — starting with an in-app assistant that actually does something.

Their CEO for UK just told Bloomberg that Revolut is about to roll out a “personal AI-powered financial assistant” that will learn from your habits and guide your money moves. It’s not another chatbot that spits out boilerplate answers. It’s supposed to become your financial sidekick — giving insights, reminders, nudges, and possibly step in when your fifth “treat yourself” this week hits your overdraft.

This is no sudden action. Back in 2024, Revolut laid out an ambitious roadmap with bold promises: ATMs, robo-advisors, AI, and a push into mortgages. At the time, it sounded like the usual fintech big talk. But one year later? They’re actually building the thing.

Let’s break down what this assistant is — and why Revolut’s roadmap is starting to look less like a pitch deck and more like a playbook.

An Actual Assistant — Not Just a Script in a Hoodie

Here’s what we know: the AI assistant will be embedded inside the Revolut app and tailored to each individual user. It will analyze your personal spending, saving, and investing behavior, then provide prompts and advice to help you make smarter decisions.

Revolut hasn’t dropped the exact specs, but we can guess where this is headed. It might warn you about subscriptions you forgot about, suggest you top up your emergency fund after a big expense, or tell you you’re on track to afford that summer trip (or not). It could even help with investment guidance by tying into Revolut’s newer wealth features.

This isn’t about answering FAQs or telling you your balance — it’s about contextual, forward-looking insights. In other words, Revolut is betting that its AI can actually coach users, not just serve them.

If you’re a product person, this matters: users don’t wake up wanting to “manage their finances.” But they do want to feel in control, avoid surprises, and maybe even grow their money a little. A well-built AI assistant might be the bridge between dry banking features and emotional user outcomes.

From app to ecosystem: what else is Revolut building?

Let’s zoom out. The AI assistant is just one part of a much bigger evolution happening at Revolut. Here’s what else is on the roadmap — most of it already underway:

• ATMs: Yes, even a digital bank wants to get into cash. The first branded Revolut ATMs appeared in Spain recently. The goal is to let customers withdraw cash without paying third-party ATM fees. Not exactly revolutionary, but smart if you want to be taken seriously as a full-service bank.
  
  
• Mortgages: Digital home loans are being tested in Lithuania, with plans to expand to Ireland and France. This puts Revolut in direct competition with legacy banks in one of their most traditional strongholds. If they can pull it off, expect big growth in user lifetime value.
  
  
• Subscription management and financial planning tools: They’re quietly building out more automated features to help users stay on top of their money without needing to think about it every day.

All of this suggests one thing: Revolut isn’t trying to be the flashiest fintech app anymore. It’s trying to be the one app you never delete.

So what’s the big picture?

Let’s be honest — fintech “AI assistants” often disappoint. Most are just rule-based chatbots dressed up with buzzwords. But if Revolut actually delivers a real, learning-based experience that’s helpful and intuitive? That’s a serious unlock for user engagement.

And if they can plug that assistant into the rest of their ecosystem — investments, payments, mortgages, savings — then Revolut starts to look more like a platform than a bank. Think less “neobank” and more “operating system for money.”

The most interesting part? They’re doing it while going global. That means they’re not building for one narrow customer profile. They’re testing in Lithuania, expanding in Spain, pushing features in the UK, and still eyeing bigger moves in the U.S.

This kind of roadmap takes capital, coordination, and conviction. But if they manage to execute, it could redefine what we expect from financial apps — and force other fintechs to rethink the whole concept of “user experience.”

Key takeaways for fintech startups

A few big lessons to steal from Revolut’s latest moves:

• The best UX is proactive. Insights and nudges that arrive at the right moment create more loyalty than any app redesign.
  
  
• Being digital-only isn’t enough. Even Revolut is launching physical ATMs. If it helps the user journey, it’s worth building.
  
  
• Expansion ≠ copy-paste. Revolut is adapting features market-by-market. Localization matters, especially in regulated products like mortgages.
  
  
• Own the full stack. Robo-advisors, loans, cash access — these aren’t just revenue streams. They make Revolut stickier than a single-purpose app ever could.

Want to make your fintech roadmap work? Talk to us — we help founders turn strategy into traction.