Revolut Seeks Full Banking Licence in Peru to Expand Latin America Push

TheNewsCrypto2026-01-20 tarihinde yayınlandı2026-01-20 tarihinde güncellendi

Özet

Revolut has applied for a full banking license in Peru to expand its Latin American operations. If approved, the UK-based digital bank will operate as a fully regulated lender, offering localized banking products and competing directly with established banks. Peru's financial system is highly concentrated, with the top four banks holding 82% of all loans. Revolut sees an opportunity to increase competition and improve access, particularly for underserved users. Remittances are a key focus, as one million Peruvians rely on money sent from abroad. The move is part of Revolut's broader strategy, which has seen strong growth in crypto services and record profits in 2024.

Bloomberg has recently reported that Revolut has applied for a complete banking licence in Peru as it moves forward for its expansion over Latin America. If the licence is accepted, it would permit the London-based digital bank to work as a completely regulated lender in the nation.

It would also add Peru to a growing regional footprint that so far includes Mexico, Colombia, Argentina and Brazil. The firm revealed that the licence would permit it to introduce localised banking products and fight head-on with the incumbent banks of the country instead of newer fintech challengers.

The financial system of Peru is mostly concentrated, with the four biggest banks accounting for around 82% of the overall loans, as per the data from the national banking regulator SBS. The chief executive officer of Revolut Peru, Julien Labrot, revealed that the company finds an opportunity to surge competition and boost access to financial services, mainly for underserved users.

Remittances are anticipated to act as a core in the strategy, with Labrot mentioning that about one million people in Peru depend on money sent from abroad. As per the World Bank, personal remittances to Peru stood at $4.93 billion in 2024.

The Initiation of Licence Application

The licence application is initiated as Revolut carries on to scale its wider platform, adding its crypto and digital asset services. The neobank, founded in 2015, listed a record year in April 2025, having 2024 net profit surge 130% to 790 million pounds, influenced by customer growth and a rebound in cryptocurrency trading.

In October last year, Revolut rolled out 1:1 U.S. dollar conversions for stablecoins, permitting users to exchange dollars directly for USDC and USDT. The push of the firm indicates a broader trend among fintech companies in Latin America delving deeper into crypto and stablecoin-based services.

Mercado Libre rolled out a dollar-pegged stablecoin in Brazil in 2024, and at the same time Nubank is creating stablecoin payments associated with its credit products.

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İlgili Sorular

QWhat is the main reason Revolut is seeking a full banking license in Peru?

ATo expand its Latin American operations and become a fully regulated lender, allowing it to introduce localized banking products and compete directly with the country's incumbent banks.

QWhich countries in America are already part of Revolut's regional footprint mentioned in the article?

AMexico, Colombia, Argentina, and Brazil.

QAccording to the article, what is anticipated to be a core part of Revolut's strategy in Peru?

ARemittances, as about one million people in Peru depend on money sent from abroad.

QWhat significant financial milestone did Revolut report in April 2025?

AIt listed a record year with a 2024 net profit surge of 130% to 790 million pounds, driven by customer growth and a rebound in cryptocurrency trading.

QName one other fintech company in Latin America that is also delving into stablecoin services, as mentioned in the article.

AMercado Libre, which rolled out a dollar-pegged stablecoin in Brazil in 2024, or Nubank, which is creating stablecoin payments associated with its credit products.

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