The Revolut business model is built on a freemium structure combined with diversified financial services. Users can access basic services for free, while premium subscription tiers unlock additional features, higher limits, and exclusive benefits. Revenue streams include interchange fees from card transactions, foreign exchange margins, subscription fees, trading commissions, and business account services. This diversified approach allows Revolut to monetize both transactional activity and recurring subscriptions. The platform leverages technology to minimize operational costs, enabling competitive pricing and rapid scalability. Cross-selling across services increases customer lifetime value, as users adopt multiple products within the ecosystem. By combining payments, banking, and investment services into a single app, Revolut creates a unified financial experience that drives engagement and retention. This integrated model is central to its long-term growth strategy.