{"id":31939,"date":"2026-03-25T00:12:50","date_gmt":"2026-03-25T00:12:50","guid":{"rendered":"https:\/\/devtechnosys.com\/insights\/?p=31939"},"modified":"2026-06-24T13:45:46","modified_gmt":"2026-06-24T13:45:46","slug":"how-to-build-an-app-like-revolut","status":"publish","type":"post","link":"https:\/\/devtechnosys.com\/insights\/how-to-build-an-app-like-revolut\/","title":{"rendered":"How to Build an App Like Revolut?"},"content":{"rendered":"<div class=\"blog_summry_box\">\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Key_takeaways\"><\/span>Key takeaways:<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul style=\"text-align: justify;\">\n<li style=\"list-style-type: none;\">\n<ul>\n<li>To build an app like Revolut, follow key steps such as market analysis, collecting app needs and features, choosing tech stacks, designing UI\/UX, development, testing, release, and maintenance.<\/li>\n<li>Adding features in fintech apps like Revolut, such as real-time payments, budgeting tools, instant account opening, multi-currency accounts, stock trading, and more.<\/li>\n<li>Offering popular Revolut alternatives such as Monzo, SoFi, PayPal, Wise, Chime, N26, Monese, Cash App, and many more.<\/li>\n<li>Generating higher revenue streams from mobile banking apps through monetization techniques such as subscription plans, freemium model transaction fees, and advertising.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p style=\"text-align: justify;\"><button class=\"btn btn-orange strategy-btn\">Book a Free Strategy Call<\/button><\/p>\n<\/div>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">You may have noticed that many people around the globe are now able to transfer money, plan for future expenses, and travel without any hassle at all.\u00a0<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">This change in people\u2019s behaviors is due to the growth of mobile application technology, which has transformed how they manage their finances.\u00a0<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Building an application similar to Revolut can be an exciting experience if you take the time to learn about its core elements.\u00a0<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">From creating an easy-to-use interface to adding functionalities such as payment processing, budgeting, and fraud protection, it is just like working through a fun jigsaw puzzle.\u00a0<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">In this blog, we will explore how to build an app like Revolut, similar apps, cost, benefits, monetization techniques, features, and so on.\u00a0<\/span><\/p>\n<p>\u00a0<\/p>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"What_is_Revolut\"><\/span><span style=\"text-decoration: underline;\"><b>What is Revolut?<\/b><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Revolut is a popular digital banking platform in the UK. Users can manage their financial services, such as sending or receiving money and exchanging currency. <\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">It offers virtual or physical cards, budgeting tools, supports cryptocurrencies, and allows users to track expenses in real-time. Users can also send money internationally with lower fees and also enter different card numbers to transfer funds.\u00a0<\/span><\/p>\n<p style=\"text-align: justify;\"><b>Founded:<\/b><span style=\"font-weight: 400;\"> 2015<\/span><\/p>\n<p style=\"text-align: justify;\"><b>Founders:<\/b><span style=\"font-weight: 400;\"> Nik Storonsky and Vlad Yatsenko<\/span><\/p>\n<p style=\"text-align: justify;\"><b>Headquarters:<\/b><span style=\"font-weight: 400;\"> London, United Kingdom<\/span><\/p>\n<p style=\"text-align: justify;\"><b>Type:<\/b><span style=\"font-weight: 400;\"> Fintech \/ Digital banking app<\/span><\/p>\n<p style=\"text-align: justify;\"><b>Users:<\/b><span style=\"font-weight: 400;\"> 50+ million globally (approximate recent figure)<\/span><\/p>\n<p style=\"text-align: justify;\"><b>Availability:<\/b><span style=\"font-weight: 400;\"> Operates in many countries across Europe, the US, and beyond<\/span><\/p>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"How_Do_Digital_Banking_Platforms_Compete_in_Todays_Market\"><\/span><span style=\"text-decoration: underline;\"><b>How Do Digital Banking Platforms Compete in Today\u2019s Market?<\/b><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul style=\"text-align: justify;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">As per the <\/span><a href=\"https:\/\/www.grandviewresearch.com\/industry-analysis\/digital-banking-platforms-market-report\" target=\"_blank\" rel=\"nofollow noopener\"><span style=\"font-weight: 400;\">Grand View Research<\/span><\/a><span style=\"font-weight: 400;\">, the digital banking applications market was valued at around<\/span><b><i> $37.49<\/i><\/b><span style=\"font-weight: 400;\"> billion in<\/span><b><i> 2025<\/i><\/b><span style=\"font-weight: 400;\">. It is projected to grow to around <\/span><b><i>$155.44<\/i><\/b><span style=\"font-weight: 400;\"> billion by <\/span><b><i>2033<\/i><\/b><span style=\"font-weight: 400;\">.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Look at the region-wise, the Asia-Pacific region dominates the global <\/span><a href=\"https:\/\/devtechnosys.com\/insights\/fintech-terminology\/#2_What_is_Digital_Banking\"><span style=\"font-weight: 400;\">digital banking<\/span><\/a><span style=\"font-weight: 400;\"> market and generates a higher revenue share of around <\/span><b><i>32.5%<\/i><\/b><span style=\"font-weight: 400;\"> in <\/span><b><i>2025<\/i><\/b><span style=\"font-weight: 400;\">.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Observing via deployment, the on-premise charging segment holds the market revenue share of <\/span><b><i>67.5%<\/i><\/b><span style=\"font-weight: 400;\"> in <\/span><b><i>2025<\/i><\/b><span style=\"font-weight: 400;\">.\u00a0<\/span><\/li>\n<\/ul>\n<p>\u00a0<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\" wp-image-64407 aligncenter\" src=\"https:\/\/devtechnosys.com\/insights\/wp-content\/uploads\/2025\/11\/How-Do-Digital-Banking-Platforms-Compete-in-Todays-Market.png\" alt=\"How Do Digital Banking Platforms Compete in Today\u2019s Market\" width=\"653\" height=\"356\" title=\"\" srcset=\"https:\/\/devtechnosys.com\/insights\/wp-content\/uploads\/2025\/11\/How-Do-Digital-Banking-Platforms-Compete-in-Todays-Market.png 741w, https:\/\/devtechnosys.com\/insights\/wp-content\/uploads\/2025\/11\/How-Do-Digital-Banking-Platforms-Compete-in-Todays-Market-300x164.png 300w\" sizes=\"auto, (max-width: 653px) 100vw, 653px\"><\/p>\n<p>\u00a0<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">According to <\/span><a href=\"https:\/\/www.statista.com\/outlook\/fmo\/banking\/digital-banks\/worldwide?srsltid=AfmBOoomVcu06Z864gccCSfwyf6E6-g3CPhxEyp8uu_-n_08GXXxhKbU#net-interest-income\" target=\"_blank\" rel=\"nofollow noopener\"><span style=\"font-weight: 400;\">Statista<\/span><\/a><span style=\"font-weight: 400;\">, the digital banking apps market\u2019s net interest income is projected to hit around <\/span><b><i>$1.66<\/i><\/b><span style=\"font-weight: 400;\"> trillion in <\/span><b><i>2026<\/i><\/b><span style=\"font-weight: 400;\">.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">As per the news of <\/span><a href=\"https:\/\/www.grandviewresearch.com\/industry-analysis\/digital-banking-platforms-market-report\" target=\"_blank\" rel=\"nofollow noopener\"><span style=\"font-weight: 400;\">Grand View Research<\/span><\/a><span style=\"font-weight: 400;\">, the digital bank apps market is expected to increase with a CAGR of <\/span><b><i>19.8%<\/i><\/b><span style=\"font-weight: 400;\"> during the forecast period from <\/span><b><i>2026 <\/i><\/b><span style=\"font-weight: 400;\">to <\/span><b><i>2033<\/i><\/b><span style=\"font-weight: 400;\">.<\/span><\/li>\n<\/ul>\n<p>\u00a0<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Why_Businesses_Want_to_Invest_in_Fintech_App_Development\"><\/span><span style=\"text-decoration: underline;\"><b>Why Businesses Want to Invest in Fintech App Development?<\/b><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\"><a href=\"https:\/\/devtechnosys.com\/money-transfer-app-development.php\">Money transfer app development<\/a> <span style=\"font-weight: 400;\">is changing the way businesses conduct payments by providing faster, more efficient, and more secure solutions than ever before. <\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Companies are investing in fintech applications to take advantage of the rapid growth of digitization worldwide to improve customer service and increase profitability.<\/span><\/p>\n<p>\u00a0<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-64414 aligncenter\" src=\"https:\/\/devtechnosys.com\/insights\/wp-content\/uploads\/2025\/11\/Why-Businesses-Want-to-Invest-in-Fintech-App-Development.png\" alt=\"Why Businesses Want to Invest in Fintech App Development\" width=\"1024\" height=\"512\" title=\"\" srcset=\"https:\/\/devtechnosys.com\/insights\/wp-content\/uploads\/2025\/11\/Why-Businesses-Want-to-Invest-in-Fintech-App-Development.png 1024w, https:\/\/devtechnosys.com\/insights\/wp-content\/uploads\/2025\/11\/Why-Businesses-Want-to-Invest-in-Fintech-App-Development-300x150.png 300w, https:\/\/devtechnosys.com\/insights\/wp-content\/uploads\/2025\/11\/Why-Businesses-Want-to-Invest-in-Fintech-App-Development-768x384.png 768w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\"><\/p>\n<p>\u00a0<\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_Growing_Demand_for_Digital_Payments\"><\/span><b>1. Growing Demand for Digital Payments<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">An increasing number of people today are opting to use a mobile app rather than cash to make payments. The quick, easy, and secure way of paying with a fintech application has led businesses to invest in fintech as they want to attract new customers, provide faster service, and keep up to date with modern technology that is already widely used by customers on a daily basis.<\/span><\/p>\n<p>\u00a0<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"2_Better_Customer_Experience\"><\/span><b>2. Better Customer Experience<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\"><a href=\"https:\/\/devtechnosys.com\/payment-app-development-services.php\">Payment app development<\/a> <span style=\"font-weight: 400;\">solutions provide users with easy, smooth, repeatable services such as the ability to transfer funds instantaneously, budgeting tools for managing money, and alerting users when transactions have occurred. Businesses are focused on providing their customers with a \u2018best in class\u2019 consumer experience.<\/span><\/p>\n<p>\u00a0<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"3_Increased_Profit_Opportunities\"><\/span><b>3. Increased Profit Opportunities<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Fintech applications provide businesses with multiple opportunities to generate revenue; for example, through <\/span><a href=\"https:\/\/devtechnosys.com\/insights\/fintech-terminology\/#4_What_are_transaction_fees\"><span style=\"font-weight: 400;\">transaction fees<\/span><\/a><span style=\"font-weight: 400;\">, subscription fees, premium services, etc. <\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Fintech businesses can grow their revenues by attracting and retaining users who regularly use their applications. this makes fintech an excellent long-term investment opportunity for any company that seeks to grow and be successful.<\/span><\/p>\n<p>\u00a0<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"4_Improved_Security_and_Transparency\"><\/span><b>4. Improved Security and Transparency<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">The latest fintech <\/span><a href=\"https:\/\/devtechnosys.com\/mobile-app-development.php\"><span style=\"font-weight: 400;\">mobile app development solutions<\/span><\/a><span style=\"font-weight: 400;\"> utilize advanced security features, such as encryption and authentication, to protect the security of the user\u2019s data. <\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Businesses are embracing fintech applications so that they can provide their customers with a safe means of conducting transactions, thereby building trust with their customers. Transparent record-keeping helps users monitor their financial transactions, enhancing their confidence.<\/span><\/p>\n<p>\u00a0<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"5_Global_Expansion_and_Scalability\"><\/span><b>5. Global Expansion and Scalability<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Business owners can tap into global markets through the creation and implementation of fintech applications. This enables them to open up their businesses into previously untapped geographic territories without having the expense of establishing a physical presence there. As a result, companies can grow more quickly than before and reach more people than ever before.\u00a0<\/span><\/p>\n<p>\u00a0<\/p>\n<p style=\"text-align: center;\"><b>Industry Insights:<\/b><\/p>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">According to <\/span><a href=\"https:\/\/www.reuters.com\/business\/finance\/revolut-says-profit-hit-record-23-billion-2025-2026-03-24\/?utm_source=chatgpt.com\" target=\"_blank\" rel=\"nofollow noopener\"><span style=\"font-weight: 400;\">Reuters<\/span><\/a><span style=\"font-weight: 400;\">, in <\/span><b><i>2025<\/i><\/b><span style=\"font-weight: 400;\">, Revolut achieved <\/span><b><i>\u00a34.5\u202fB<\/i><\/b><span style=\"font-weight: 400;\"> revenue and<\/span><b><i> \u00a31.7\u202fB<\/i><\/b><span style=\"font-weight: 400;\"> pretax profit, driven largely by fees, FX, and expanding credit products.<\/span><\/p>\n<p>\u00a0<\/p>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"What_are_the_Major_Steps_to_Build_an_App_Like_Revolut\"><\/span><span style=\"text-decoration: underline;\"><b>What are the Major Steps to Build an App Like Revolut?<\/b><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">From the beginning of this blog, you have been waiting for this section. Building a digital banking app like Revolut requires various steps and following every step strictly. <\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">It includes market research, collecting app requirements, technologies, designing, backend development, testing, deployment, and post-maintenance services. So, here is the <\/span><a href=\"https:\/\/devtechnosys.com\/insights\/complete-guide-to-banking-app-development\/\"><span style=\"font-weight: 400;\">banking app development guide<\/span><\/a><span style=\"font-weight: 400;\">:<\/span><\/p>\n<p>\u00a0<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-64412 aligncenter\" src=\"https:\/\/devtechnosys.com\/insights\/wp-content\/uploads\/2025\/11\/What-are-the-Major-Steps-to-Build-an-App-Like-Revolut.png\" alt=\"What are the Major Steps to Build an App Like Revolut\" width=\"1000\" height=\"485\" title=\"\" srcset=\"https:\/\/devtechnosys.com\/insights\/wp-content\/uploads\/2025\/11\/What-are-the-Major-Steps-to-Build-an-App-Like-Revolut.png 1000w, https:\/\/devtechnosys.com\/insights\/wp-content\/uploads\/2025\/11\/What-are-the-Major-Steps-to-Build-an-App-Like-Revolut-300x146.png 300w, https:\/\/devtechnosys.com\/insights\/wp-content\/uploads\/2025\/11\/What-are-the-Major-Steps-to-Build-an-App-Like-Revolut-768x372.png 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\"><\/p>\n<p>\u00a0<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"1_Market_Research\"><\/span><b>1. Market Research<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Before beginning the development process. You will need to ask yourself some questions. Is your idea valid? Is it successful in today\u2019s market? Have you checked the latest market trends? <\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">To answer all these queries, need to research the market where your project idea stands and how it can become successful in the digital market. Observe the existing digital banking apps to know their reasons for success and how their working processes work with users.\u00a0<\/span><\/p>\n<p>\u00a0<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"2_Gathering_Project_Requirements\"><\/span><b>2. Gathering Project Requirements<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">After the idea validation. Hire a <\/span><a href=\"https:\/\/devtechnosys.com\/ewallet-app-development.php\"><span style=\"font-weight: 400;\">digital banking app development company<\/span><\/a><span style=\"font-weight: 400;\"> to collect the project requirements and needs that you actually want to add to your mobile banking application. <\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Make an organized sheet of features that must be integrated, such as user registration, multiple currency support, adding debit or credit cards, push notifications, currency exchange, and many more. Identify the primary and secondary users for your app.\u00a0<\/span><\/p>\n<p>\u00a0<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"3_Select_Tech_Stacks\"><\/span><b>3. Select Tech Stacks<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Choosing tech stacks is one of the most crucial stages for the Revolut clone app development process. It includes various types of robust tech stacks:\u00a0<\/span><\/p>\n<p style=\"text-align: justify;\"><b>Frontend: <\/b><span style=\"font-weight: 400;\">AngularJS, JavaScript, HTML, CSS<\/span><\/p>\n<p style=\"text-align: justify;\"><b>Backend: <\/b><span style=\"font-weight: 400;\">SpringBoot, Django, Laravel, Ruby on Rails<\/span><\/p>\n<p style=\"text-align: justify;\"><b>Database: <\/b><span style=\"font-weight: 400;\">PostgreSQL, MYSQL, MongoDB<\/span><\/p>\n<p style=\"text-align: justify;\"><b>Cloud Services: <\/b><span style=\"font-weight: 400;\">AWS, Google Cloud, Oracle Cloud<\/span><\/p>\n<p style=\"text-align: justify;\"><b>Designing Tools: <\/b><span style=\"font-weight: 400;\">Figma, Sketch, Marvel, Adobe XD<\/span><\/p>\n<p>\u00a0<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"4_Design_User-Interface\"><\/span><b>4. Design User-Interface<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">It\u2019s time to design and customize a user interface with high-quality UI elements to increase user engagement and make it easy to navigate all specifications. <\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">It includes various types of UI elements such as layouts, templates, fonts, styles, textures, wireframing, themes, icons, and many more. Hire designers from an <\/span><a href=\"https:\/\/devtechnosys.com\/industry-on-demand.php\"><span style=\"font-weight: 400;\">on-demand app development company<\/span><\/a><span style=\"font-weight: 400;\"> to design a simple UI and use tools like Farmer, Zeplin, Figma, and more.\u00a0<\/span><\/p>\n<p>\u00a0<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"5_App_Development\"><\/span><b>5. App Development<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Move to the fifth stage to create an app like Revolut, employ skilled backend programmers to start the backend processes, and integrate various tools and applications. <\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Developers need to perform various operations such as building application logic, API development, user authentication, managing databases, server management, caching, and optimization. Implement third-party tools like communication platforms, analytics, reporting, social media platforms, and more.\u00a0<\/span><\/p>\n<p>\u00a0<\/p>\n<p><a title=\"+91-9983263662\" href=\"https:\/\/wa.me\/919983263662?text=hello%20devtechnosys\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/devtechnosys.com\/insights\/wp-content\/uploads\/2025\/01\/connect-on-whatsapp-1.png\" alt=\"Connect On Whatsapp 1\" title=\"\"><\/a><\/p>\n<p>\u00a0<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"6_Testing_QA\"><\/span><b>6. Testing &amp; QA<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">In the sixth <\/span><a href=\"https:\/\/devtechnosys.com\/mobile-banking-app-development.php\"><span style=\"font-weight: 400;\">mobile banking app development<\/span><\/a><span style=\"font-weight: 400;\"> process, test the application\u2019s features and services and make sure all are working perfectly. There are various testing techniques are conducted, such as integration, functional, security, and unit testing. After testing, solve all the errors that are discovered in testing. Ensure that features and services are performing at their peak.\u00a0<\/span><\/p>\n<p>\u00a0<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"7_Release_Maintain\"><\/span><b>7. Release &amp; Maintain<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Publish the app on the selected stores, such as the Play Store and App Store. After publishing, monitor their performance and check their daily visitors. <\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Conduct post-maintenance services to manage the working process of the app. Include several maintenance services such as fixing security patches, solving bugs or glitches, regular updates, upgrading to the latest OS version, backups, performance optimization, and more.\u00a0<\/span><\/p>\n<p>\u00a0<\/p>\n<blockquote>\n<h2 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"Case_Study_How_We_Built_a_Multi-Currency_Payment_App\"><\/span><span style=\"text-decoration: underline;\"><b>Case Study: How We Built a Multi-Currency Payment App<\/b><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">We built Uabpay for our client, Gary Chen, over a period of 16 weeks. The key issues we faced were multi-currency conversion integration, real-time transaction accuracy, and strict security compliance. We overcame these challenges by using scalable microservices, robust API integration, and advanced encryption protocols. As a result, we delivered a high-performing, secure payment app that provides seamless payments globally, improves user experience, and successfully launched with strong initial adoption.<\/span><\/p>\n<p style=\"text-align: center;\"><b>Client Name:<\/b><span style=\"font-weight: 400;\"> Gary Chen<\/span><\/p>\n<p style=\"text-align: center;\"><b>Timeline:<\/b><span style=\"font-weight: 400;\"> 16 Weeks<\/span><\/p>\n<p style=\"text-align: center;\"><b>Team Size:<\/b><span style=\"font-weight: 400;\"> 6 People<\/span><\/p>\n<p style=\"text-align: center;\"><b>Mohit Nag<\/b><\/p>\n<p style=\"text-align: center;\"><b>\u2013 CTO<\/b><\/p>\n<\/blockquote>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Technical_Architecture_of_a_Revolut-Like_App_What_Goes_Under_the_Hood\"><\/span><span style=\"text-decoration: underline;\"><b>Technical Architecture of a Revolut-Like App: What Goes Under the Hood?<\/b><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">A Revolut-like app consists of microservices, secure API gateways, real-time ledgers, cloud platforms, and fraud detection services. The combination of all these components provides the necessary scalability, security, rapid transaction processing speed, regulatory compliance, and seamless global financial operations for all users.<\/span><\/p>\n<p>\u00a0<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-67946 aligncenter\" src=\"https:\/\/devtechnosys.com\/insights\/wp-content\/uploads\/2026\/03\/Technical-Architecture-of-a-Revolut-Like-App_-What-Goes-Under-the-Hood.webp\" alt=\"Technical Architecture of a Revolut-Like App_ What Goes Under the Hood\" width=\"1024\" height=\"475\" title=\"\" srcset=\"https:\/\/devtechnosys.com\/insights\/wp-content\/uploads\/2026\/03\/Technical-Architecture-of-a-Revolut-Like-App_-What-Goes-Under-the-Hood.webp 1024w, https:\/\/devtechnosys.com\/insights\/wp-content\/uploads\/2026\/03\/Technical-Architecture-of-a-Revolut-Like-App_-What-Goes-Under-the-Hood-300x139.webp 300w, https:\/\/devtechnosys.com\/insights\/wp-content\/uploads\/2026\/03\/Technical-Architecture-of-a-Revolut-Like-App_-What-Goes-Under-the-Hood-768x356.webp 768w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\"><\/p>\n<p>\u00a0<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"1_Architecture_Based_On_Microservices\"><\/span><b>1. Architecture Based On Microservices<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">A mobile application similar to Revolut would split its key functionalities, such as payments, accounts, and transactions, into smaller independent services referred to as microservices. <\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">this microservice-based architecture not only allows for horizontal scalability, but the separation and isolation of each service from other services allow for easier maintenance, faster deployment, and fault isolation, but most importantly allow the application to be used by millions of users efficiently and reliably.<\/span><\/p>\n<p>\u00a0<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"2_Secure_API_Gateway\"><\/span><b>2. Secure API Gateway<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">an api gateway is responsible for managing all incoming requests from the mobile application to the back-end services. The api gateway will control things such as authentication, rate limiting, encryption, and routing, and serve as a secure entry point to the application. It protects sensitive data and provides performance and stability for all transactions.<\/span><\/p>\n<p>\u00a0<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"3_Core_Banking_And_Ledger_System\"><\/span><b>3. Core Banking And Ledger System<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">The ledger system is in charge of maintaining and recording all financial transactions made in real-time to ensure that all transactions are accurate and consistent with each other. <\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">This ledger system will implement a double-entry accounting system, balance accounts after every transaction instantly, and allow integration with banking partners. Finally, establish a foundation of trust and financial integrity for the entire mobile application.<\/span><\/p>\n<p>\u00a0<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"4_Cloud_Infrastructure_Scalability_Layer\"><\/span><b>4. Cloud Infrastructure &amp; Scalability Layer<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Cloud platforms are typically elastic, scalable, with high availability capabilities, and disaster recovery implemented in the event of a client losing connectivity. <\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Fintech mobile applications use distributed databases and load-balancers to handle their peak network traffic. While providing consistent system availability and performance for global users without the need to invest in infrastructure.<\/span><\/p>\n<p>\u00a0<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"5_Security_Fraud_Detection\"><\/span><b>5. Security &amp; Fraud Detection<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">The advanced security systems of the financial technology industry will use encryption, tokenization, and an artificial intelligence-based fraud detection system to continuously monitor transactions for any suspicious activity. <\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">It provides monitoring services in real time by analyzing each transaction\u2019s pattern. This advanced security system may appear to provide safeguards against unauthorized access and financial fraud, and to guarantee compliance.<\/span><\/p>\n<p>\u00a0<\/p>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Which_Features_Should_Be_Included_in_Digital_Banking_Apps_Like_Revolut\"><\/span><span style=\"text-decoration: underline;\"><b>Which Features Should Be Included in Digital Banking Apps Like Revolut?<\/b><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Features are one of the most important concerns when developing an application, because they can increase user engagement and help to gain a competitive advantage. There are different types of <\/span><a href=\"https:\/\/devtechnosys.com\/insights\/digital-banking-app-features\/\"><span style=\"font-weight: 400;\">banking apps features<\/span><\/a><span style=\"font-weight: 400;\"> available to integrate.<\/span><\/p>\n<p>\u00a0<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-64413 aligncenter\" src=\"https:\/\/devtechnosys.com\/insights\/wp-content\/uploads\/2025\/11\/Which-Features-Should-Be-Included-in-Digital-Banking-Apps-Like-Revolut.png\" alt=\"Which Features Should Be Included in Digital Banking Apps Like Revolut\" width=\"1000\" height=\"507\" title=\"\" srcset=\"https:\/\/devtechnosys.com\/insights\/wp-content\/uploads\/2025\/11\/Which-Features-Should-Be-Included-in-Digital-Banking-Apps-Like-Revolut.png 1000w, https:\/\/devtechnosys.com\/insights\/wp-content\/uploads\/2025\/11\/Which-Features-Should-Be-Included-in-Digital-Banking-Apps-Like-Revolut-300x152.png 300w, https:\/\/devtechnosys.com\/insights\/wp-content\/uploads\/2025\/11\/Which-Features-Should-Be-Included-in-Digital-Banking-Apps-Like-Revolut-768x389.png 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\"><\/p>\n<p>\u00a0<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"1_Instant_Account_Opening\"><\/span><b>1. Instant Account Opening<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">The online banking platform enables users to open their instant account with minimal documentation and offers digital KYC without visiting a physical branch.\u00a0<\/span><\/p>\n<p>\u00a0<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"2_Real-Time_Payments\"><\/span><b>2. Real-Time Payments<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Revolut alternatives can instantly transfer funds both internationally and domestically, also offering peer-to-peer payments and confirmation receipts.\u00a0<\/span><\/p>\n<p>\u00a0<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"3_Multi-Currency_Accounts\"><\/span><b>3. Multi-Currency Accounts<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Apps like Revolut have the ability to hold, exchange, and transfer multiple currencies at lower fees for international users or travelers.\u00a0<\/span><\/p>\n<p>\u00a0<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"4_Virtual_Physical_Cards\"><\/span><b>4. Virtual &amp; Physical Cards<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Fintech banking apps offer virtual cards for online usage and allow users to apply for physical cards with security controls, customized limits, and <\/span><a href=\"https:\/\/devtechnosys.com\/insights\/fintech-terminology\/#6_What_is_Contactless_Payment\"><span style=\"font-weight: 400;\">contactless payment<\/span><\/a><span style=\"font-weight: 400;\">s.\u00a0<\/span><\/p>\n<p>\u00a0<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"5_Loan_Credit_Services\"><\/span><b>5. Loan &amp; Credit Services<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">A virtual banking app offers instant loan services for users, they can access the personal loans, instant approval, transparent agreements, and tracking repayment.\u00a0<\/span><\/p>\n<p>\u00a0<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"6_Security_Features\"><\/span><b>6. Security Features<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">E-banking applications implement strong security methods such as <\/span><a href=\"https:\/\/devtechnosys.com\/insights\/fintech-terminology\/#10_What_is_Two-Factor_Authentication_2FA\"><span style=\"font-weight: 400;\">two-factor authentication<\/span><\/a><span style=\"font-weight: 400;\">, end-to-end encryption techniques, biometrics, transaction monitoring, and fraud alerts.\u00a0<\/span><\/p>\n<p>\u00a0<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"7_Budgeting_Tools\"><\/span><b>7. Budgeting Tools<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Mobile finance apps offer budgeting tools that allow users to manage their spending habits and track their spending in real-time. This can easily optimize users\u2019 financial habits.\u00a0<\/span><\/p>\n<p>\u00a0<\/p>\n<p style=\"text-align: center;\"><b style=\"text-align: justify;\">Industry Insights: <\/b><\/p>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">According to <\/span><a style=\"text-align: justify;\" href=\"https:\/\/www.mckinsey.com\/industries\/financial-services\/our-insights\/emerging-markets-leap-forward-in-digital-banking-innovation-and-adoption?utm_source=chatgpt.com\" target=\"_blank\" rel=\"nofollow noopener\">McKinsey &amp; Company<\/a><span style=\"font-weight: 400;\">, in emerging markets, digital banking penetration has caught up with developed economies, with adoption rates rising sharply over recent years.<\/span><\/p>\n<p>\u00a0<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"8_Crypto_Stock_Trading\"><\/span><b>8. Crypto &amp; Stock Trading<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\"><a href=\"https:\/\/devtechnosys.com\/insights\/peer-to-peer-payment-app\/\"><span style=\"font-weight: 400;\">Peer-to-peer payment app<\/span><\/a><span style=\"font-weight: 400;\"> integrates cryptocurrency and stock trading platforms with real-time market data, portfolio tracking, and educational resources for informed investing.<\/span><\/p>\n<p>\u00a0<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"9_Alerts_Notifications\"><\/span><b>9. Alerts &amp; Notifications<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Smartphone banking solutions send alert messages to users for upcoming bills, low-balance alerts, suspicious activity, and more.\u00a0<\/span><\/p>\n<p>\u00a0<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"10_Customer_Support\"><\/span><b>10. Customer Support<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">In-app 24\/7 live chat support, AI-assisted FAQs, and a ticketing system to resolve user queries quickly can increase the overall performance of the app.\u00a0<\/span><\/p>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"What_is_the_Cost_to_Build_an_App_Like_Revolut\"><\/span><span style=\"text-decoration: underline;\"><b>What is the Cost to Build an App Like Revolut?<\/b><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">The cost to develop an app like Revolut is around <\/span><b><i>$8,000<\/i><\/b><span style=\"font-weight: 400;\"> to<\/span><b><i> $25,000 <\/i><\/b><span style=\"font-weight: 400;\">or higher. The total cost can fluctuate due to various factors such as features, functions, project size, complexity, backend infrastructure, deployment platforms, development team, and more. <\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">The main impact is fintech application types; each type has different functionality and services, which is why the cost can be different or higher. It also includes additional factors such as maintenance, security, testing, designing, third-party integrations, and tech stacks.<\/span><\/p>\n<p>\u00a0<\/p>\n<table>\n<tbody>\n<tr>\n<td>\n<h4><span class=\"ez-toc-section\" id=\"App_Level\"><\/span><b>App Level<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/td>\n<td>\n<h4><span class=\"ez-toc-section\" id=\"Features_Included\"><\/span><b>Features Included<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/td>\n<td>\n<h4><span class=\"ez-toc-section\" id=\"Estimated_Cost_USD\"><\/span><b>Estimated Cost (USD)<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/td>\n<\/tr>\n<tr>\n<td><b>Basic MVP<\/b><\/td>\n<td><span style=\"font-weight: 400;\">Account signup, KYC, simple transfers, balance tracking<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$8,000 \u2013 $15,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Mid-Level App<\/b><\/td>\n<td><span style=\"font-weight: 400;\">Wallet, analytics, multi-currency, APIs, security layers<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$15,000 \u2013 $20,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Advanced (Revolut-like)<\/b><\/td>\n<td><span style=\"font-weight: 400;\">Full banking features, cards, crypto, investments, and AI fraud detection<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$20,000 \u2013 $25,000+<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u00a0<\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_Are_the_Major_Cost-Influencing_Factors_in_Digital_Banking_App_Development\"><\/span><span style=\"text-decoration: underline;\"><b>What Are the Major Cost-Influencing Factors in Digital Banking App Development?<\/b><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Building a <\/span><a href=\"https:\/\/devtechnosys.com\/insights\/fintech-terminology\/#2_What_is_a_Mobile_Wallet\"><span style=\"font-weight: 400;\">mobile wallet<\/span><\/a><span style=\"font-weight: 400;\"> within a fixed budget is a difficult task because there are various types of factors that impact the total <\/span><a href=\"https:\/\/devtechnosys.com\/insights\/p2p-lending-app-development\/\"><span style=\"font-weight: 400;\">P2P lending app development<\/span><\/a> <span style=\"font-weight: 400;\">cost. It involves features, design UI\/UX, integrations, backend infrastructure, platform choice, and many more.\u00a0<\/span><\/p>\n<p>\u00a0<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-64411 aligncenter\" src=\"https:\/\/devtechnosys.com\/insights\/wp-content\/uploads\/2025\/11\/What-Are-the-Major-Cost-Influencing-Factors-in-Digital-Banking-App-Development.png\" alt=\"What Are the Major Cost-Influencing Factors in Digital Banking App Development\" width=\"1000\" height=\"500\" title=\"\" srcset=\"https:\/\/devtechnosys.com\/insights\/wp-content\/uploads\/2025\/11\/What-Are-the-Major-Cost-Influencing-Factors-in-Digital-Banking-App-Development.png 1000w, https:\/\/devtechnosys.com\/insights\/wp-content\/uploads\/2025\/11\/What-Are-the-Major-Cost-Influencing-Factors-in-Digital-Banking-App-Development-300x150.png 300w, https:\/\/devtechnosys.com\/insights\/wp-content\/uploads\/2025\/11\/What-Are-the-Major-Cost-Influencing-Factors-in-Digital-Banking-App-Development-768x384.png 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\"><\/p>\n<p>\u00a0<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"1_Development_Location\"><\/span><b>1. Development Location<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">The development team location is one of the most well-known factors that can easily affect the digital banking app development cost. Development teams from North America and Europe have a higher cost due to the high living costs and higher hourly charges. <\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Hiring a development team from the Asia-Pacific region can result in a cheaper cost and maintain the overall Revolut app development cost.<\/span><\/p>\n<p>\u00a0<\/p>\n<table>\n<tbody>\n<tr>\n<td>\n<h4><span class=\"ez-toc-section\" id=\"Location_Tier\"><\/span><b>Location Tier<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/td>\n<td>\n<h4><span class=\"ez-toc-section\" id=\"Cost_Impact\"><\/span><b>Cost Impact<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Low-cost regions (Asia, Eastern Europe)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$2,000 \u2013 $6,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Mid-cost regions (Latin America, parts of Europe)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$4,000 \u2013 $7,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">High-cost regions (USA, UK, Western Europe)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$5,000 \u2013 $8,000<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u00a0<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Basic_Advanced_Features\"><\/span><b style=\"text-align: justify;\">2. Basic &amp; Advanced Features<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">The type and number of features greatly influence the Revolut app development cost. Basic features like account management and fund transfers are less expensive, while advanced features such as AI-driven insights, biometric authentication, and real-time analytics require complex coding, integrations, and testing. More sophisticated features demand longer development cycles, increasing overall budget and resource allocation.<\/span><\/p>\n<p>\u00a0<\/p>\n<table>\n<tbody>\n<tr>\n<td>\n<h4><span class=\"ez-toc-section\" id=\"Feature_Level\"><\/span><b>Feature Level<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/td>\n<td>\n<h4><span class=\"ez-toc-section\" id=\"Cost_Impact-2\"><\/span><b>Cost Impact<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Basic (login, account view, transfers)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$2,000 \u2013 $3,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Moderate (notifications, budgeting tools)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$3,000 \u2013 $4,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Advanced (AI insights, biometrics, analytics)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$4,000 \u2013 $5,000<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u00a0<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Third-Party_Integrations\"><\/span><b style=\"text-align: justify;\">3. Third-Party Integrations<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">The <\/span><a href=\"https:\/\/devtechnosys.com\/insights\/fintech-terminology\/#1_What_is_a_Digital_Wallet\"><span style=\"font-weight: 400;\">digital wallet<\/span><\/a><span style=\"font-weight: 400;\"> platforms are mainly based on third-party integrations such as <\/span><a href=\"https:\/\/devtechnosys.com\/insights\/fintech-terminology\/#3_What_is_a_Payment_Gateway\"><span style=\"font-weight: 400;\">payment gateway<\/span><\/a><span style=\"font-weight: 400;\">s, KYC verification, analytics tools, fraud detection, communication tools, and more. <\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">These integrations help users to increase their accessibility. Some of the integrations have higher licensing fees, and developers consume more time to integrate. This can directly impact the total cost to <\/span><a href=\"https:\/\/devtechnosys.com\/insights\/build-mobile-banking-app-like-chime\/\"><span style=\"font-weight: 400;\">build a mobile banking app like Chime<\/span><\/a><b>.<\/b><\/p>\n<p>\u00a0<\/p>\n<table>\n<tbody>\n<tr>\n<td>\n<h4><span class=\"ez-toc-section\" id=\"Integration_Level\"><\/span><b>Integration Level<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/td>\n<td>\n<h4><span class=\"ez-toc-section\" id=\"Cost_Impact-3\"><\/span><b>Cost Impact<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Minimal (payment gateway only)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$500 \u2013 $800<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Standard (KYC, analytics, notifications)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$800 \u2013 $1,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Extensive (fraud detection, multiple APIs)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$1,000 \u2013 $1,200<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u00a0<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Developers_Hiring_Type\"><\/span><b style=\"text-align: justify;\">4. Developers Hiring Type<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">There are various ways to hire developers, including freelancers, in-house teams, and outsourced agencies. Freelancer developers are cheaper, but they lack skills and reliability in premium projects. <\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">An in-house team is a better option for a long-term project, but they charge higher salaries and infrastructure costs. Outsourced agencies offer a higher quality of development and faster delivery, but at a higher cost, which can raise the cost to build an app like Revolut.<\/span><\/p>\n<p>\u00a0<\/p>\n<table>\n<tbody>\n<tr>\n<td>\n<h4><span class=\"ez-toc-section\" id=\"Hiring_Model\"><\/span><b>Hiring Model<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/td>\n<td>\n<h4><span class=\"ez-toc-section\" id=\"Cost_Impact-4\"><\/span><b>Cost Impact<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Freelancers<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$2,000 \u2013 $4,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">In-house Team<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$5,000 \u2013 $7,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Development Agency<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$7,000 \u2013 $9,000<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u00a0<\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_Post-Maintenance_Services\"><\/span><b style=\"text-align: justify;\">5. Post-Maintenance Services<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Post-maintenance services are important for a long-term running project to maintain its services and features. It includes various services, such as solving security patches, fixing bugs or glitches, regular updates, backups, adding design enhancements, upgrading OS versions, performance optimization, and more. Some of the maintenance services can take longer for developers, and this can increase the overall cost of <\/span><a href=\"https:\/\/devtechnosys.com\/fintech-app-development-services.php\"><span style=\"font-weight: 400;\">fintech app development services<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p>\u00a0<\/p>\n<table>\n<tbody>\n<tr>\n<td>\n<h4><span class=\"ez-toc-section\" id=\"Maintenance_Level\"><\/span><b>Maintenance Level<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/td>\n<td>\n<h4><span class=\"ez-toc-section\" id=\"Cost_Impact_Annual\"><\/span><b>Cost Impact (Annual)<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Basic (bug fixes, minor updates)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$500 \u2013 $1,000<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Moderate (performance monitoring, updates)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$1,000 \u2013 $1,200<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Advanced (security patches, feature upgrades)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$1,200 \u2013 $1,500<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u00a0<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Legal_Regulatory_Compliance_When_Building_a_Fintech_App_Like_Revolut\"><\/span><span style=\"text-decoration: underline;\"><b style=\"text-align: justify;\">Legal &amp; Regulatory Compliance When Building a Fintech App Like Revolut<\/b><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">In <a href=\"https:\/\/devtechnosys.com\/fintech-software-development.php\">fintech software development<\/a>, certain regulatory compliance obligations must be adhered to in order to deliver a secure application experience for users. The KYC, AML, GDPR, PCI DSS, and Financial Licensing regulations establish a framework for properly verifying user identity, preventing fraud, and ensuring data, payment, and legal compliance.\u00a0<\/span><\/p>\n<p>\u00a0<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-67945 aligncenter\" src=\"https:\/\/devtechnosys.com\/insights\/wp-content\/uploads\/2026\/03\/Legal-Regulatory-Compliance-When-Building-a-Fintech-App-Like-Revolut.webp\" alt=\"Legal &amp; Regulatory Compliance When Building a Fintech App Like Revolut\" width=\"1014\" height=\"514\" title=\"\" srcset=\"https:\/\/devtechnosys.com\/insights\/wp-content\/uploads\/2026\/03\/Legal-Regulatory-Compliance-When-Building-a-Fintech-App-Like-Revolut.webp 1014w, https:\/\/devtechnosys.com\/insights\/wp-content\/uploads\/2026\/03\/Legal-Regulatory-Compliance-When-Building-a-Fintech-App-Like-Revolut-300x152.webp 300w, https:\/\/devtechnosys.com\/insights\/wp-content\/uploads\/2026\/03\/Legal-Regulatory-Compliance-When-Building-a-Fintech-App-Like-Revolut-768x389.webp 768w\" sizes=\"auto, (max-width: 1014px) 100vw, 1014px\"><\/p>\n<p>\u00a0<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"1_KYC_Know_Your_Customer_Compliance\"><\/span><b>1. KYC (Know Your Customer) Compliance<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Fintech applications such as Revolut must put in place KYC processes to confirm users\u2019 identity through documentation, biometrics, and risk assessments in order to reduce the occurrence of fraud, money laundering, or identity theft.\u00a0 While also ensuring that they receive all required regulatory approvals from relevant financial authorities across regions.<\/span><\/p>\n<p>\u00a0<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"2_AML_Anti-Money_Laundering_Regulations\"><\/span><b>2. AML (Anti-Money Laundering) Regulations<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\"><a href=\"https:\/\/devtechnosys.com\/ewallet-app-development.php\">Ewallet app development<\/a> solutions must comply with AML regulations to be able to identify and report suspicious transactions. Financial institutions are required to continuously assess all transactions and screen incoming and outgoing transactions for risk to prevent illegal activity and meet compliance requirements established by international banking and finance regulators.<\/span><\/p>\n<p>\u00a0<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"3_GDPR_and_Data_Privacy_Compliance\"><\/span><b>3. GDPR and Data Privacy Compliance<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">One of the key components of GDPR compliance for fintech applications is the need to adequately protect customers\u2019 data as well as ensure that users have full transparency regarding how their data is being managed, that they have given consent for their information to be used, and that they are able to access or delete their data from an application. <\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">In order to meet these requirements, strong encryption and strict handling of all user data have to be enforced to minimize the risk of incurring a fine for noncompliance, as well as to maintain users\u2019 trust in apps.<\/span><\/p>\n<p>\u00a0<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"4_PCI_DSS_Compliance\"><\/span><b>4. PCI DSS Compliance<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">All fintech applications accepting card payments must comply with PCI DSS requirements for securing the storage, processing, and transmission of any payment cardholder data. <\/span><span style=\"font-weight: 400;\">Methods of securing these types of information include the implementation of encryption technologies, maintaining secure networks, and limiting access to sensitive information. Through the use of access control, and performing regular audits on all systems and processes utilized to protect the card payment data.<\/span><\/p>\n<p>\u00a0<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"5_Licensing_and_Financial_Regulations\"><\/span><b>5. Licensing and Financial Regulations<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Applications such as Revolut must acquire licensing, such as banking licenses, e-money licenses, etc., from the appropriate authorities based on the region. They provide services in order to legally operate, protect consumers, and be subject to regulatory oversight in each jurisdiction in which they provide financial services.<\/span><\/p>\n<p>\u00a0<\/p>\n<p><button type=\"button\" class=\"modalTrigger\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-64406 aligncenter\" src=\"https:\/\/devtechnosys.com\/insights\/wp-content\/uploads\/2025\/11\/CTA-Build-an-App-Like-Revolut.png\" alt=\"CTA Build an App Like Revolut\" width=\"1500\" height=\"315\" title=\"\" srcset=\"https:\/\/devtechnosys.com\/insights\/wp-content\/uploads\/2025\/11\/CTA-Build-an-App-Like-Revolut.png 1500w, https:\/\/devtechnosys.com\/insights\/wp-content\/uploads\/2025\/11\/CTA-Build-an-App-Like-Revolut-300x63.png 300w, https:\/\/devtechnosys.com\/insights\/wp-content\/uploads\/2025\/11\/CTA-Build-an-App-Like-Revolut-1024x215.png 1024w, https:\/\/devtechnosys.com\/insights\/wp-content\/uploads\/2025\/11\/CTA-Build-an-App-Like-Revolut-768x161.png 768w\" sizes=\"auto, (max-width: 1500px) 100vw, 1500px\"><\/button><\/p>\n<p>\u00a0<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Top_10_Apps_Like_Revolut\"><\/span><span style=\"text-decoration: underline;\"><b style=\"text-align: justify;\">Top 10 Apps Like Revolut<\/b><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Do you think that Revolut is the only solution for digital banking services? No, there are many popular Revolut alternatives that have reached global users and made their own kingdom in the fintech industry. Check out each app one by one:<\/span><\/p>\n<p>\u00a0<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-64410 aligncenter\" src=\"https:\/\/devtechnosys.com\/insights\/wp-content\/uploads\/2025\/11\/Top-10-Apps-Like-Revolut.png\" alt=\"Top 10 Apps Like Revolut\" width=\"1024\" height=\"556\" title=\"\" srcset=\"https:\/\/devtechnosys.com\/insights\/wp-content\/uploads\/2025\/11\/Top-10-Apps-Like-Revolut.png 1024w, https:\/\/devtechnosys.com\/insights\/wp-content\/uploads\/2025\/11\/Top-10-Apps-Like-Revolut-300x163.png 300w, https:\/\/devtechnosys.com\/insights\/wp-content\/uploads\/2025\/11\/Top-10-Apps-Like-Revolut-768x417.png 768w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\"><\/p>\n<p>\u00a0<\/p>\n<table>\n<tbody>\n<tr>\n<td>\n<h4><span class=\"ez-toc-section\" id=\"App_Name\"><\/span><b>App Name<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/td>\n<td>\n<h4><span class=\"ez-toc-section\" id=\"Approx_Downloads\"><\/span><b>Approx Downloads<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/td>\n<td>\n<h4><span class=\"ez-toc-section\" id=\"Rating_App_Store_Play\"><\/span><b>Rating (App Store \/ Play)<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/td>\n<td>\n<h4><span class=\"ez-toc-section\" id=\"Launch_Year\"><\/span><b>Launch Year<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/td>\n<td>\n<h4><span class=\"ez-toc-section\" id=\"Platforms\"><\/span><b>Platforms<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Wise<\/span><\/td>\n<td><span style=\"font-weight: 400;\">10M+<\/span><\/td>\n<td><span style=\"font-weight: 400;\">4.5<\/span><\/td>\n<td><span style=\"font-weight: 400;\">2011<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Android, iOS, Web<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Monzo<\/span><\/td>\n<td><span style=\"font-weight: 400;\">10M+<\/span><\/td>\n<td><span style=\"font-weight: 400;\">4.3<\/span><\/td>\n<td><span style=\"font-weight: 400;\">2015<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Android, iOS<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">N26<\/span><\/td>\n<td><span style=\"font-weight: 400;\">7M+<\/span><\/td>\n<td><span style=\"font-weight: 400;\">4.2<\/span><\/td>\n<td><span style=\"font-weight: 400;\">2013<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Android, iOS, Web<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Monese<\/span><\/td>\n<td><span style=\"font-weight: 400;\">5M+<\/span><\/td>\n<td><span style=\"font-weight: 400;\">4.0<\/span><\/td>\n<td><span style=\"font-weight: 400;\">2015<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Android, iOS<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Chime<\/span><\/td>\n<td><span style=\"font-weight: 400;\">15M+<\/span><\/td>\n<td><span style=\"font-weight: 400;\">4.4<\/span><\/td>\n<td><span style=\"font-weight: 400;\">2013<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Android, iOS<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">PayPal<\/span><\/td>\n<td><span style=\"font-weight: 400;\">500M+<\/span><\/td>\n<td><span style=\"font-weight: 400;\">4.6<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1998<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Android, iOS, Web<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Cash App<\/span><\/td>\n<td><span style=\"font-weight: 400;\">80M+<\/span><\/td>\n<td><span style=\"font-weight: 400;\">4.5<\/span><\/td>\n<td><span style=\"font-weight: 400;\">2013<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Android, iOS<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Payoneer<\/span><\/td>\n<td><span style=\"font-weight: 400;\">8M+<\/span><\/td>\n<td><span style=\"font-weight: 400;\">4.2<\/span><\/td>\n<td><span style=\"font-weight: 400;\">2005<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Android, iOS<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Curve<\/span><\/td>\n<td><span style=\"font-weight: 400;\">5M+<\/span><\/td>\n<td><span style=\"font-weight: 400;\">4.0<\/span><\/td>\n<td><span style=\"font-weight: 400;\">2016<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Android, iOS<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Paysera<\/span><\/td>\n<td><span style=\"font-weight: 400;\">3M+<\/span><\/td>\n<td><span style=\"font-weight: 400;\">4.1<\/span><\/td>\n<td><span style=\"font-weight: 400;\">2004<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Android, iOS, Web<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u00a0<\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_Wise\"><\/span><b style=\"text-align: justify;\">1. Wise<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Wise is a digital banking platform where users can send or receive money through their mobile phones. Wise is mainly designed for transferring international funds at lower fees, and users can convert multiple currencies in real-time. It can holds the 40+ multiple currencies in one account and is basically used for <\/span><a href=\"https:\/\/devtechnosys.com\/insights\/fintech-terminology\/#10_What_are_cross-border_payments\"><span style=\"font-weight: 400;\">cross-border payments<\/span><\/a><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p>\n<p>\u00a0<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"2_Monzo\"><\/span><b>2. Monzo<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Monzo is a UK-based <\/span><a href=\"https:\/\/devtechnosys.com\/insights\/fintech-terminology\/#3_What_is_Mobile_Banking\"><span style=\"font-weight: 400;\">mobile banking<\/span><\/a><span style=\"font-weight: 400;\"> application that enables customers to manage their spending habits and transfer funds instantly to other accounts. <\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">It has a user-friendly interface that enhances users\u2019 experience to use services quickly and easily. Monzo offers various features like bill splitting, budgeting tools, account management, and more.\u00a0<\/span><\/p>\n<p>\u00a0<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"3_N26\"><\/span><b>3. N26<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">N26 is one of the best European digital banks that was launched in 2013 and is available on iOS and Android. This application offer various types of digital financial services such as real-time transactions, multi-currency accounts, fee-free spending abroad, and more. N26 mainly focuses on financial transparency and simplicity.\u00a0<\/span><\/p>\n<p>\u00a0<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"4_Monese\"><\/span><b>4. Monese<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Monese is an online banking platform, and it is mainly for European residents. Users can send or receive money without having a local address or credit history. <\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">This platform is popular for travelers for easy international banking and managing their budget. Users can directly set up their banking account through a smartphone.\u00a0<\/span><\/p>\n<p>\u00a0<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"5_Chime\"><\/span><b>5. Chime<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Chime is a US-based internet banking service provider that enables users to check and manage their savings accounts. It offers fee-free banking services through a specific banking partner, and it includes automatic savings features. Chime is popular for its everyday usage as a digital banking platform because users do not need to maintain a minimum balance.\u00a0<\/span><\/p>\n<p>\u00a0<\/p>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Comparison_Between_Revolut_vs_Wise_vs_N26\"><\/span><span style=\"text-decoration: underline;\"><b>Comparison Between: Revolut vs Wise vs N26<\/b><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Are you still confused about which digital banking app is best for you? This section provides a detailed comparison of the Revolut competitors apps and finds out which is perfect as per the specific demand.<\/span><\/p>\n<p>\u00a0<\/p>\n<table>\n<tbody>\n<tr>\n<td>\n<h4><span class=\"ez-toc-section\" id=\"Feature_Criteria\"><\/span><b>Feature \/ Criteria<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/td>\n<td>\n<h4><span class=\"ez-toc-section\" id=\"Revolut\"><\/span><b>Revolut<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/td>\n<td>\n<h4><span class=\"ez-toc-section\" id=\"Wise\"><\/span><b>Wise<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/td>\n<td>\n<h4><span class=\"ez-toc-section\" id=\"N26\"><\/span><b>N26<\/b><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/td>\n<\/tr>\n<tr>\n<td><b>Core Focus<\/b><\/td>\n<td><span style=\"font-weight: 400;\">All-in-one financial super app (banking, trading, budgeting)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">International money transfers &amp; multi-currency accounts<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Mobile-first digital banking<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Account Fees<\/b><\/td>\n<td><span style=\"font-weight: 400;\">Free tier + paid plans<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Free account, pay per transfer<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Free basic account + premium tiers<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Currency Support<\/b><\/td>\n<td><span style=\"font-weight: 400;\">25+ currencies<\/span><\/td>\n<td><span style=\"font-weight: 400;\">40+ currencies<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Limited (mainly EUR)<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Exchange Rates<\/b><\/td>\n<td><span style=\"font-weight: 400;\">Near interbank with some markup<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Mid-market rates (transparent)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Real rate via Mastercard, small margin<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Transfer Fees<\/b><\/td>\n<td><span style=\"font-weight: 400;\">Variable, depends on plan &amp; usage<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Low, transparent percentage fee<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Low within SEPA; higher outside<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>ATM Withdrawals<\/b><\/td>\n<td><span style=\"font-weight: 400;\">Free up to a limit, then fees apply<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Limited free withdrawals, then charges<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Free within limits, then small fees<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Investment Options<\/b><\/td>\n<td><span style=\"font-weight: 400;\">Yes (stocks, crypto, commodities)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">No<\/span><\/td>\n<td><span style=\"font-weight: 400;\">No<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Ease of Use<\/b><\/td>\n<td><span style=\"font-weight: 400;\">Feature-rich, slightly complex<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Very simple and transparent<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Clean and minimal interface<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Availability<\/b><\/td>\n<td><span style=\"font-weight: 400;\">Global presence<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Widely available globally<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Primarily Europe<\/span><\/td>\n<\/tr>\n<tr>\n<td><b>Best For<\/b><\/td>\n<td><span style=\"font-weight: 400;\">Users wanting multiple financial services in one app<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Low-cost international transfers<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Everyday banking in Europe<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u00a0<\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_to_Make_Money_From_Digital_Banking_Apps_Like_Revolut\"><\/span><span style=\"text-decoration: underline;\"><b style=\"text-align: justify;\">How to Make Money From Digital Banking Apps Like Revolut?<\/b><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Unlock earning potential with Revolut and similar apps by leveraging cashback, smart currency exchange, investments, referrals, and budgeting tools. These digital banking platforms transform everyday financial activities into opportunities to save and grow money, making them powerful tools for building wealth in a simple, accessible, and modern way.<\/span><\/p>\n<p>\u00a0<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-64409 aligncenter\" src=\"https:\/\/devtechnosys.com\/insights\/wp-content\/uploads\/2025\/11\/How-to-Make-Money-From-Digital-Banking-Apps-Like-Revolut.png\" alt=\"How to Make Money From Digital Banking Apps Like Revolut\" width=\"1000\" height=\"500\" title=\"\" srcset=\"https:\/\/devtechnosys.com\/insights\/wp-content\/uploads\/2025\/11\/How-to-Make-Money-From-Digital-Banking-Apps-Like-Revolut.png 1000w, https:\/\/devtechnosys.com\/insights\/wp-content\/uploads\/2025\/11\/How-to-Make-Money-From-Digital-Banking-Apps-Like-Revolut-300x150.png 300w, https:\/\/devtechnosys.com\/insights\/wp-content\/uploads\/2025\/11\/How-to-Make-Money-From-Digital-Banking-Apps-Like-Revolut-768x384.png 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\"><\/p>\n<p>\u00a0<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"1_Cashback_and_Rewards_Optimization\"><\/span><b>1. Cashback and Rewards Optimization<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Use Revolut\u2019s cashback opportunities strategically to make the most out of the cashback and partner discounts that you are using daily. The little returns that you get through the app eventually add up and will help you save money without having to change how you normally spend.<\/span><\/p>\n<p>\u00a0<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"2_Currency_Exchange_Advantage\"><\/span><b>2. Currency Exchange Advantage<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">You can save on currency exchange fees by using Revolut as the middleman. They charge low fees when converting your currencies; therefore, when you get good rates, you can use these good rates to convert your currencies when you are travelling or sending money to another country.\u00a0<\/span><\/p>\n<p>\u00a0<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"3_Crypto_and_Stock_Investments\"><\/span><b>3. Crypto and Stock Investments<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">The <\/span><a href=\"https:\/\/devtechnosys.com\/insights\/build-an-app-like-citi-mobile\/\"><span style=\"font-weight: 400;\">app like CITI Mobile<\/span><\/a><span style=\"font-weight: 400;\">, allows you to invest in cryptocurrencies as well as stocks directly from the app. If you do a little bit of research on the markets and are disciplined in your investing over many years, you can turn this app into a way to make money in addition to just completing banking transactions.<\/span><\/p>\n<p>\u00a0<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"4_Referral_Programs\"><\/span><b>4. Referral Programs<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Revolut regularly offers referral bonuses when you refer friends to use the app. This is one of the simplest ways to earn money with little effort, and can be highly effective for those with large social networks because they can refer more people.<\/span><\/p>\n<p>\u00a0<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"5_Budgeting_and_Expense_Tracking\"><\/span><b>5. Budgeting and Expense Tracking<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">You can use Revolut\u2019s analytics tools to keep track of what you spend and where you spend it. Recognizing expenses that you do not have to pay is a way to save indirectly by creating a budget that is based on this. In other words, the more discipline you have in managing your finances, the more opportunity you will have in investing.<\/span><\/p>\n<p>\u00a0<\/p>\n<p><button type=\"button\" class=\"modalTrigger\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-64405\" src=\"https:\/\/devtechnosys.com\/insights\/wp-content\/uploads\/2025\/11\/CTA-1-Build-an-App-Like-Revolut.png\" alt=\"CTA 1 Build an App Like Revolut\" width=\"1500\" height=\"315\" title=\"\" srcset=\"https:\/\/devtechnosys.com\/insights\/wp-content\/uploads\/2025\/11\/CTA-1-Build-an-App-Like-Revolut.png 1500w, https:\/\/devtechnosys.com\/insights\/wp-content\/uploads\/2025\/11\/CTA-1-Build-an-App-Like-Revolut-300x63.png 300w, https:\/\/devtechnosys.com\/insights\/wp-content\/uploads\/2025\/11\/CTA-1-Build-an-App-Like-Revolut-1024x215.png 1024w, https:\/\/devtechnosys.com\/insights\/wp-content\/uploads\/2025\/11\/CTA-1-Build-an-App-Like-Revolut-768x161.png 768w\" sizes=\"auto, (max-width: 1500px) 100vw, 1500px\"><\/button><\/p>\n<p>\u00a0<\/p>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><span style=\"text-decoration: underline;\"><b>Conclusion<\/b><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">In the final section of this blog. We share our final thoughts about how to build an app like Revolut. We think that you have clarified all your doubts regarding the development process and why it is a lucrative opportunity for businesses. Also discussed were the functionalities that are necessary to integrate to increase user engagement.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Are you interested in making an app like Revolut? Who is stopping you from progressing? Reach out to an experienced <\/span><a href=\"https:\/\/devtechnosys.com\/fintech-app-development-services.php\"><span style=\"font-weight: 400;\">fintech app development company<\/span><\/a> <span style=\"font-weight: 400;\">in Houston, USA, to receive customized fintech solutions at a lower cost.<\/span><\/p>\n<p>\u00a0<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Related_Insights\"><\/span>Related Insights<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<blockquote><p><a href=\"https:\/\/devtechnosys.com\/insights\/blockchain-in-fintech-industry\/\">How Blockchain Is Revolutionizing the Fintech Industry?<\/a><\/p>\n<p><a href=\"https:\/\/devtechnosys.com\/insights\/top-fintech-trends-shaping-the-financial-industry\/\">Top FinTech Trends Shaping the Financial Industry<\/a><\/p>\n<p><a href=\"https:\/\/devtechnosys.com\/insights\/insurance-software-development-cost\/\">Insurance Software Development Cost in 2026<\/a><\/p>\n<p><a href=\"https:\/\/devtechnosys.com\/insights\/how-to-build-a-fintech-product\/\">How to Build a FinTech Product from Scratch in 2026<\/a><\/p>\n<p><a href=\"https:\/\/devtechnosys.com\/insights\/how-to-build-a-wealthtech-platform\/\">How to Build a WealthTech Platform: Features, Cost &amp; Development Process<\/a><\/p>\n<p><a href=\"https:\/\/devtechnosys.com\/insights\/how-to-start-a-fintech-company\/\">How to Start a FinTech Company in 2026: Complete Step-by-Step Guide<\/a><\/p><\/blockquote>\n<p>\u00a0<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Key takeaways: To build an app like Revolut, follow key steps such as market analysis, collecting app needs and features, choosing tech stacks, designing UI\/UX, development, testing, release, and maintenance. Adding features in fintech apps like Revolut, such as real-time payments, budgeting tools, instant account opening, multi-currency accounts, stock trading, and more. Offering popular Revolut [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":64408,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1548,15366],"tags":[5385,15077,15080,15079,15078,15082,15084,5386,15081,15083],"class_list":["post-31939","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-fintech-app-development","category-mobile-banking-app-development","tag-apps-like-revolut","tag-build-an-app-like-revolut","tag-cost-to-develop-an-app-like-revolut","tag-create-an-app-like-revolut","tag-develop-an-app-like-revolut","tag-fintech-app-like-revolut","tag-revolut-alternative-app","tag-revolut-app-development","tag-revolut-clone-app-development","tag-revolut-clone-app-features"],"acf":[],"post_mailing_queue_ids":[],"_links":{"self":[{"href":"https:\/\/devtechnosys.com\/insights\/wp-json\/wp\/v2\/posts\/31939","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/devtechnosys.com\/insights\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/devtechnosys.com\/insights\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/devtechnosys.com\/insights\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/devtechnosys.com\/insights\/wp-json\/wp\/v2\/comments?post=31939"}],"version-history":[{"count":18,"href":"https:\/\/devtechnosys.com\/insights\/wp-json\/wp\/v2\/posts\/31939\/revisions"}],"predecessor-version":[{"id":67947,"href":"https:\/\/devtechnosys.com\/insights\/wp-json\/wp\/v2\/posts\/31939\/revisions\/67947"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/devtechnosys.com\/insights\/wp-json\/wp\/v2\/media\/64408"}],"wp:attachment":[{"href":"https:\/\/devtechnosys.com\/insights\/wp-json\/wp\/v2\/media?parent=31939"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/devtechnosys.com\/insights\/wp-json\/wp\/v2\/categories?post=31939"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/devtechnosys.com\/insights\/wp-json\/wp\/v2\/tags?post=31939"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}