Revolut turns app into an AI agent

Revolut just gave 13 million people in Britain a chat box that can freeze a card, create a single-use virtual card, check subscriptions, and answer “where’s my money going?” inside the banking app. The rollout of AIR started on April 9, 2026, and Revolut says users open it by swiping down in the app or going to Profile, then Chats, then AIR. (revolut.com) This is not the old bank chatbot that only finds help articles. Revolut says AIR can take actions on your account, including pausing recurring payments, checking investments, buying a 3 gigabyte travel eSIM, and showing live exchange rates from the same conversation. (revolut.com) Revolut is trying this first in a market where it already has bank scale. The company said on March 11, 2026 that its new United Kingdom bank would roll out services to its 13 million United Kingdom customers after regulators lifted restrictions on its banking licence. (revolut.com) The useful comparison is a phone assistant that can read your calendar versus one that can also book the flight. Revolut’s version can see the same transactions, cards, and investments you can already see, and it asks for biometric approval before sensitive actions. (revolut.com) Revolut is also drawing a hard line around data because banks cannot treat account history like a toy dataset. Its AIR page says personal data is not stored by third-party artificial intelligence partners or used for training, and its privacy notice says the tool is fully automated and optional for customers. (revolut.com 1) (revolut.com 2) The company has been building toward this for more than a year. In November 2024, Revolut told customers it was working on an artificial intelligence assistant as part of a wider push beyond payments into mortgages, cash machines, and more banking products. (revolut.com) Under the hood, Revolut’s artificial intelligence stack is already much bigger than a customer-facing helper. Nebius, the cloud provider in a newly published case study, says Revolut runs on more than 200 NVIDIA H100 graphics processing units, uses data from 40 billion events, and applies shared models across fraud detection, credit scoring, and transaction prediction. (nebius.com) That fraud layer matters because Revolut has spent years selling safety as a product, not just a compliance box. In its 2023 security report, the company said its 2,500-person financial crime team and artificial intelligence systems prevented more than £475 million of potential fraud in 2023, and a separate 2024 launch said one scam-detection feature cut certain card-scam losses by 30% in testing. (revolut.com 1) (revolut.com 2) Revolut is pairing that software push with a physical expansion across Europe. On April 8, 2026, it said it signed a 10-year lease for a Western Europe headquarters in Paris, with 2,417 square metres across six floors, for a region where it says it already serves more than 25 million customers. (revolut.com) The Paris office is part of a bigger banking plan, not a vanity address. Revolut said in May 2025 that Paris would become its Western Europe hub, that it would apply for a French banking licence, and that it planned to invest more than €1 billion in France over three years. (revolut.com) All of this is landing while Revolut is getting very large very fast. The company reported on March 24, 2026 that revenue hit $6.0 billion in 2025, profit before tax reached $2.3 billion, and total customers climbed to 68.3 million, which means AIR is launching from a business that already has the money and user base to turn an assistant into a default banking interface. (revolut.com)