Revolut revenue is diversified across multiple streams, including interchange fees, subscription plans, foreign exchange margins, trading commissions, and business services. This multi-pronged revenue model reduces reliance on any single income source and supports scalability. A significant portion of revenue comes from premium subscriptions, where users pay monthly fees for enhanced features and higher usage limits. This recurring revenue stream provides stability and predictability, complementing transactional income from payments and FX. Interchange fees generated from card transactions contribute to volume-driven revenue, while foreign exchange services remain a core monetization channel. Additionally, trading services, including stocks and cryptocurrencies, generate commissions and spread-based income. Operating costs are driven by technology development, regulatory compliance, and customer acquisition. As the user base scales, Revolut benefits from operating leverage, with marginal costs per user decreasing over time. Profitability has been a key focus, with the company moving toward more disciplined cost management while maintaining growth momentum. The financial trajectory reflects a transition from hyper-growth to sustainable scaling, with increasing emphasis on monetization efficiency and unit economics.