Fintech launches in‑app AI assistant

Revolut just turned its banking app into a chat window for 13 million people in the United Kingdom. On April 9, 2026, the company began rolling out AIR, short for AI by Revolut, and said users can ask it to handle things like card controls, subscriptions, investments, and trip planning inside the app. (revolut.com) The pitch is not “here is a smarter chatbot.” The pitch is “one chat, total control,” with AIR launched from the app home screen or from Profile, then Chats, then AIR, so the assistant sits next to the account itself instead of on a separate help page. (revolut.com) Revolut says AIR can only see the same data the customer can already see, including transactions, investments, and cards. The company also puts a hard line around investing by stating that Revolut Trading Ltd does not provide investment advice or personal recommendations through the tool. (revolut.com) That disclaimer tells you what this product is really trying to do in version one. AIR is being framed as guided help and account navigation, not as a robot financial adviser picking stocks or telling people how to allocate their savings. (revolut.com) Revolut has the scale to test that idea fast. The company says it now has more than 70 million customers globally, including 13 million in the United Kingdom, and its 2024 annual report showed £3.1 billion in revenue and £790 million in net profit. (revolut.com) (assets.revolut.com) That matters because Revolut is no longer just a cheap travel card with a nice exchange rate. It already sells spending accounts, savings, investing, credit, and travel features in one app, so an assistant that helps people find and use those tools could increase how often customers open the app between payday and card swipes. (assets.revolut.com) (revolut.com) This launch was also not a surprise inside the company. Revolut said in late 2024 that an artificial intelligence assistant was part of its 2025 product roadmap, alongside mortgages and branded automated teller machines, so AIR has moved from teaser to live product about a year later. (revolut.com) The timing fits a wider shift in British finance. The Financial Conduct Authority, the United Kingdom’s main financial regulator, says it wants to support “safe and responsible” use of artificial intelligence in financial markets while applying existing rules to AI systems. (fca.org.uk) That means firms can use artificial intelligence, but they still own the outcome if the tool confuses a customer or nudges them badly. Advisers to the industry have been warning that the Financial Conduct Authority’s Consumer Duty rules still apply when a journey is powered by artificial intelligence, especially when the tool is customer-facing and personalized. (fca.org.uk) (pwc.co.uk) So AIR is less about replacing a bank branch than about replacing dead taps and buried menus. If Revolut can make “freeze my card,” “show my subscriptions,” or “help me budget for a holiday” feel as easy as sending a text, other consumer finance apps will be pushed to do the same. (revolut.com) (thenextweb.com)