Revolut has been expanding its scope for years. What began as a payments app now covers accounts, cards, investing, crypto, insurance, and travel utilities. The next step moves into everyday infrastructure: a full mobile phone plan, sold and managed directly inside the Revolut app. The company has confirmed plans to launch monthly mobile tariffs, starting with the UK and Poland, with a phased rollout across other European markets later. The aim is straightforward. Replace the traditional mobile operator relationship with something simpler and fully app-based.

What’s actually being launched

The mobile plan is a subscription service delivered via eSIM. Activation, number transfer, billing, and usage controls all live inside the app. Users can keep their existing number or take a new one, and there is no long-term contract involved.

The package includes unlimited domestic data, calls, and SMS, plus a roaming data allowance of 20 GB usable across the EU and the United States. Pricing is set aggressively, with an introductory price of £12.50 per month and a standard price of £14.99 per month for customers joining after the introductory period ends. This is meant to work as a primary line, not as a travel add-on or secondary SIM.

Where the advantage really comes from

Revolut is not building mobile networks. Like other digital-first entrants, it operates as an MVNO, relying on existing telecom infrastructure. That part is familiar.

What matters more is distribution. Revolut already owns the customer relationship, the billing layer, and a daily touchpoint. Millions of users open the app regularly to manage money, subscriptions, and travel. Adding mobile connectivity removes friction telecom operators have struggled with for decades, from store visits and contract complexity to unclear bundles and painful cancellation processes. The mobile plan becomes another controllable line item inside a system users already trust.

Why the “unlimited” angle lands

Unlimited plans exist across Europe, but they are rarely simple in practice. Long commitments, layered pricing logic, and vague fair-use limits are common. Revolut’s framing follows the logic fintech users already understand: one price, monthly control, visible usage, and the ability to leave without negotiation.

For people who already manage critical services through apps, that feels natural. The mobile plan behaves more like software than a utility contract.

How this fits the bigger picture

The pattern is consistent with how Revolut has approached other categories. Enter with sharp pricing, integrate deeply into the app, and increase daily relevance. Mobile connectivity raises switching costs without contractual lock-in. When your bank account, cards, subscriptions, travel tools, and phone number all sit in one interface, leaving becomes inconvenient even if it remains technically easy.

That kind of retention compounds quietly over time.

Key takeaways for fintech startups

A few grounded lessons are worth pulling out:

• Adjacent expansion works best when you already own the primary interface
  
  
• Recurring utilities fit naturally into fintech billing and UX models
  
  
• Clear pricing and easy exits can outperform contractual lock-in
  
  
• Distribution and engagement often matter more than owning infrastructure

If you’re considering adjacent products or platform expansion, Your Fintech Story helps fintech teams think through strategy before execution gets expensive. Reach out if you want a grounded second opinion.