Revolut scales its stocks and ETFs offering to millions end users with Upvest

Empowering 45 million retail customers to invest globally

Revolut, one of the leading global fintechs, is on a mission to “simplify all things money”. What might sound like a bold statement to some has in fact become the reality for over 45m retail customers¹ all around the world. Revolut helps both individuals and businesses in 38 countries² to spend, send, and save smarter.

But Revolut didn’t want to stop there. With a commitment to providing accessible and diverse financial solutions, Revolut aimed to expand its wealth and trading offering further.

Delivering investments end users actually love

As with everything Revolut does, speed and quality go hand in hand. This is embedded in Revolut’s culture to “relentlessly push to become number one in the world”³. It’s no surprise then that their investment offering reflects this ambition for modern, easy, and affordable access to capital markets.

Revolut is committed to lowering barriers to entry for all - their commission-free trading, fractional offering, and easy-to-use investment product are only the first steps. By enabling individuals to build wealth, Revolut not only increases its customer base but also strengthens its loyalty.

The challenge for Revolut was to find a reliable and scalable investment infrastructure partner that could support their ambitious growth plans.

Accelerating investment adoption

Leveraging Upvest's modular, accessible, and compliant Investment API, Revolut was able to introduce ETFs and fractional European stock trading with speed and efficiency. Upvest's end-to-end infrastructure solution enabled Revolut to provide end users with access to assets in high demand that were previously unavailable.

Revolut operates in Upvest’s Bring-Your-Own-Licence Omnibus setup. The setup allows them to make use of their own investment firm licences while taking advantage of Upvest’s brokerage, settlement, and custody functionality.

With Upvest’s all-in-one solution, Revolut can standardise their operations and accelerate go-live in new markets. This reduced complexity and full control over being the single user-facing entity gave Revolut the right combination of enablement and flexibility.

In February 2024, less than a year after offering access to ETFs, Revolut took automated investing a step further by introducing a Robo-Advisor. Enabled by Upvest’s Investment API, Revolut’s Robo-Advisor tailors investing to the individual’s needs based on their personal circumstances.

To meet our customers’ needs in providing the best product offering, specifically the ability to diversify their portfolios to include European ETFs and Stocks, we found Upvest to be the best partner to achieve this. Upvest's technology, scalable infrastructure, and ready-made product offering made this a successful partnership.
Gerry Bogue Operations Manager at Revolut

Revolut's investment revolution with Upvest

The collaboration between Revolut and Upvest empowers millions of investors, contributing to Revolut’s success as one of the fastest-growing banks in Europe⁵.

By launching fractional European stock trading, Revolut supports a wide range of end users who previously may have been excluded from traditional investment opportunities. From LVMH and L’oreal to SAP and Accenture, Revolut’s end users can now trade all of these stocks and many more, needing only €1 to start.

Revolut unlocked hundreds of investment opportunities with Upvest’s asset universe by adding ETFs for the first time. Broadening their product offering allowed them to capture untapped market potential which is set to 3x to over EUR 650 billion by 2028 in Continental Europe alone⁶.