London-based financial technology group Revolut has launched a secondary share sale valuing the company at $75 billion, according to an internal memo cited by Bloomberg and reported on September 1, 2025. The arrangement allows Revolut employees to sell up to 20 percent of their personal holdings, giving staff an opportunity to cash in on part of their equity while retaining majority ownership. The memo stated that the sale price has been set at $1,381.06 per share, and initial indications suggest that demand from both new and existing investors is strong.
This development represents a substantial increase in Revolut’s valuation. Only a year earlier, a similar employee share sale valued the company at around $45 billion. By mid-2025, investors had used a blended valuation of about $65 billion to price a limited round of financing. The latest figure reflects not only growing revenues and user adoption but also improved investor sentiment toward large-scale fintech firms that are managing to diversify their services and secure regulatory approvals.
Revolut’s offering does not involve the issuance of new equity, but rather redistributes shares already held by staff. Such secondary sales are increasingly common among late-stage startups and privately held tech companies, particularly those that have grown rapidly but remain outside public markets. For employees, this sale provides liquidity without waiting for an initial public offering, while investors gain access to one of Europe’s highest-valued fintech businesses.
Strategic Expansion and Regulatory Milestones
The new valuation follows a series of milestones in Revolut’s growth strategy. The company, founded in 2015, has evolved from a digital money transfer and currency exchange platform into a “super-app” offering a wide range of financial products, including banking services, stock and crypto trading, and payment solutions. Its user base now exceeds 50 million globally, with more than 11 million customers in the United Kingdom, its home market.
Earlier in 2025, Revolut received its long-awaited UK banking licence, a breakthrough that allows it to broaden its domestic services. The process had taken more than three years, reflecting heightened scrutiny of fintech firms by regulators. For the time being, the banking subsidiary remains subject to strict limits, including a cap of £50,000 in total deposits, while its operational infrastructure is scaled up. Even with these restrictions, the licence is seen as a critical step in expanding Revolut’s credibility and product offering.
Beyond the UK, Revolut has signaled major ambitions in the United States, where it is preparing to acquire a nationally chartered bank. This move would allow it to extend regulated lending and banking services across all 50 states. Expansion plans also include extending its suite of AI-driven financial tools, such as automated budgeting and trading recommendations, which the company views as key to retaining younger, digitally savvy users.
Investor Appetite and Sector Context
The secondary sale highlights continuing enthusiasm among investors for Revolut’s model, despite a more cautious climate for fintech valuations in recent years. The surge from $45 billion in 2024 to $75 billion in 2025 suggests that Revolut has managed to convince the market of its resilience, even as other fintech players have struggled to maintain lofty valuations established during the peak of the digital finance boom.
The sale also reflects broader market interest in secondary transactions, which have become an important mechanism for staff compensation in companies that delay going public. For Revolut, which has not yet set a timeline for an IPO, such sales help to satisfy both employees and investors while buying time to strengthen its regulatory and operational foundations.
Still, some analysts caution that sustaining such a high valuation will depend on Revolut’s ability to convert its user growth into consistent profitability, particularly as competition intensifies. Rivals such as Wise, PayPal, and newer challenger banks continue to fight for market share in payments and consumer lending. Moreover, regulators in Europe and the United States are expected to tighten rules around capital requirements and consumer protection for digital banks, which could affect growth trajectories.
Global Implications of Fintech Leadership
Revolut’s valuation underscores Europe’s growing role in producing global fintech champions. With its new figure of $75 billion, Revolut stands among the most valuable privately held financial startups worldwide, rivaling some established US and Asian firms. Its trajectory demonstrates how fintech companies are increasingly challenging traditional banking institutions by offering digital-first, user-friendly platforms with global reach.
The company’s success has also drawn attention from policymakers who see such firms as drivers of innovation, but also as potential sources of systemic risk if not properly regulated. The UK’s Financial Conduct Authority and the Bank of England have emphasized the importance of ensuring adequate safeguards as fintechs expand into core banking activities. This regulatory balancing act will shape not only Revolut’s path but also the wider evolution of digital finance in Europe and beyond.
For employees and investors alike, the secondary sale marks a significant milestone. It reflects not only Revolut’s financial momentum but also the continued appetite for exposure to fintech at scale, even in a climate of regulatory scrutiny and shifting market dynamics.