# Revolut Business **Type:** [[Business Account]] · [[Acquiring]] · [[Issuing]] **Archetype:** [[eu-sme-fintech-market-map|Integrated SME Finance]] **HQ:** London, UK · EU entity: Revolut Bank UAB (Vilnius, Lithuania) **EU licence:** Revolut Bank UAB — Bank of Lithuania banking licence (EEA passporting) **Founded:** 2015 **Scale:** 50M+ personal + business users globally; 500,000+ business customers --- Revolut Business is the largest integrated SME finance platform in Europe by customer count, combining a multi-currency business account, team debit cards, payment links, POS hardware, and an extensive app ecosystem. Its EU operations run under a full banking licence from the Bank of Lithuania — meaning it is a licensed bank, not just an EMI, giving it access to deposit insurance and the ability to offer lending products. **Core products:** - Multi-currency business account (25+ currencies held simultaneously) - Revolut Business Debit Cards — per-card spend limits, category controls - Revolut Reader — card machine for in-person payments - Payment Links — no-code remote collection - Expense management for teams - Business API and integrations (Xero, Slack, etc.) - Revolut Business Loans (in select markets) **Key differentiator:** Multi-currency account is genuinely strong — businesses can hold, receive, convert, and send in 25+ currencies without opening separate accounts. The FX spread is competitive vs. traditional banks. **Gaps:** Less deep on compliance tooling for specific EU markets (no DATEV, no XRechnung vs [[finom-emi-case-study|Finom]]); no in-house credit suite vs [[qonto-pi-case-study|Qonto]]. **Connected:** [[Acquiring]] · [[Issuing]] · [[eu-sme-fintech-market-map]] · [[qonto-pi-case-study]] · [[finom-emi-case-study]] · [[wamo-emi-case-study]] · [[PSD2]] · [[SEPA Credit Transfer]] · [[SWIFT]] *FintechGraphs · [[about|Who we are]]*