Revolut Clone | White Label Neobank App Platform

So you want to launch the next Revolut. Here's what we actually ship.

Revolut crossed 70 million customers in March 2026 and was valued at $75 billion last November. Its CEO told Bloomberg in April 2026 that the bank is two years away from a US-listed IPO. The story underneath those headlines is operational: a multi-currency wallet, a card-issuance pipeline, an FX engine, KYC plumbing, and a mobile app polished to the point that buyers in 160+ countries treat it as their primary current account.

We already built this Revolut clone. The codebase ships a native iOS + Android app, multi-currency wallets across 40+ currencies, virtual and physical card issuance, a real-time FX engine, SWIFT / SEPA / ACH transfer rails, savings vaults, a crypto module, a stock-trading module, a business-account variant, and four pre-wired BaaS adapters — Treasury Prime, Unit, Galileo, and Stripe Issuing — so you pick the provider that fits your jurisdiction. One-time price $4,500–$18,000, white-labeled under your brand, deployed in 14–21 days, full unencrypted source code.

Be honest about scope: we ship the app and the integrations. Your sponsor bank, BaaS contract, and compliance program are yours to bring. The Synapse collapse in April 2024 — $95 million unaccounted across 100,000+ end-customers — taught the entire fintech sector that the sponsor-bank relationship is more load-bearing than the app on top of it. We engineer the platform with that in mind.

Revolut Clone vs Building From Scratch — Let's Be Honest

The honest ledger. A neobank is the hardest commercial app to ship — KYC pipelines, card-issuance integrations, ledgering, compliance dashboards, multi-currency, BaaS adapters. The competing build quote from a typical fintech clone agency is $35,000–$275,000+ over 3–18 months. Here is the line-by-line comparison against a from-scratch custom build:

What matters to you	Custom Build	Our Revolut Clone
Time to first paying customer	9–18 months	14–21 days
All-in app build cost	$150,000 – $400,000+	$4,500 – $18,000
Engineering team required	4–6 senior + 1 compliance + 1 DevOps	Zero — we deploy
KYC + AML integration (Persona / Jumio / Onfido)	6–10 weeks per vendor	All three pre-wired
Card issuance integration	8–12 weeks per processor	Stripe Issuing, Marqeta, Galileo adapters included
Multi-currency FX engine	10–14 weeks	40+ currencies, interbank rates day one
BaaS adapter (Treasury Prime / Unit / Galileo)	8–12 weeks each	Four pre-built, swappable
iOS + Android store approval	4–8 weeks per platform	We submit under your brand
Source code ownership	What your team wrote	Full unencrypted
Risk if BaaS partner collapses (Synapse pattern)	Rewrite the integration layer	Swap the adapter, ship same week

Who's Actually Buying This From Us

Let me save you the "this is for everyone" pitch — it isn't. The founders who close on this clone fall into seven recognisable patterns:

• Emerging-market fintech founders — operators in Nigeria, Kenya, Mexico, Brazil, the Philippines, Indonesia, and Vietnam building a Nubank-style local neobank with a domestic sponsor bank already lined up.
• Migrant-corridor remittance operators — founders running US-to-LatAm, UK-to-Africa, or Gulf-to-South-Asia transfer flows who want the full wallet + card experience layered on top of the remittance.
• Crypto exchange operators going regulated — exchanges adding fiat on/off-ramps, savings yield products, and a debit card so users can spend stablecoin balances at point of sale.
• SME-focused founders — agencies building a Mercury-style or Tide-style business neobank, with multi-user accounts, expense management, and accounting integrations as the wedge.
• Telco operators bundling banking — carriers in Africa and Southeast Asia rolling out a banking app to their existing 5M–40M-subscriber base as a retention and ARPU play.
• Existing fintech apps adding banking — buy-now-pay-later operators, lending apps, and trading platforms bolting on a current account to lift LTV from $80 to $400+.
• White-label B2B agencies — operators serving 5–20 of their own end-clients across multiple countries, who need a reseller-licensable platform with per-tenant configuration.

How You Make Money With the Revolut Clone — 8 Revenue Streams

Eight wired-in revenue streams. Launch with two or three, layer the rest as the customer base scales past the first 10,000 active accounts:

1. Card interchange. 1.4–2.4% on every debit card swipe, routed to your BIN via Stripe Issuing or Marqeta. On 50,000 active cardholders spending $400/month each, that compounds to $300,000–$580,000/year of high-margin revenue alone.
2. FX markup. 0.5–1.5% spread over interbank mid-market rates on currency conversion. Revolut's premium tiers charge nothing inside a monthly cap and 1% above it — the same architecture, configurable per tier.
3. Subscription tiers. Standard (free), Plus ($3.99/month), Premium ($9.99/month), Metal ($16.99/month). The math is unforgiving in your favour: 8% adoption on Premium across 100,000 customers is $1.2M ARR before any other line item.
4. Cross-border transfer fees. Fixed $2–$8 per SWIFT transfer, percentage-based on SEPA Instant and ACH. The remittance corridors carry the highest fees and the highest stickiness — buyers come back for the same recipient every month.
5. Crypto trading spread. 1.49–2.49% spread on BTC, ETH, USDC, and 50+ tokens via Fireblocks or BitGo custody. No commission line, just the spread — it reads cleaner to the customer and prints the same revenue.
6. Stock and ETF spread. Free trades with a 0.25% spread on fractional shares, $1 fixed fee on full-share trades over $200. The Robinhood model, exported into the wallet flow.
7. Lending interest margin. Buy-now-pay-later, overdraft credit, and personal loans at 12–28% APR funded through your sponsor bank, with you keeping the 4–8% net interest margin.
8. Business account fees. $19–$99/month per business tier, plus per-transaction fees on international payments. SMEs are far less price-sensitive than retail and churn at less than half the rate.

What's Inside the White Label Revolut Clone

Fourteen numbered modules. Every one is in the demo — you walk through them on a real iPhone with a real test card before you commit a dollar.

1. Native iOS + Android Apps

Two real React Native builds with native Swift and Kotlin modules for biometrics, secure enclave, NFC card provisioning to Apple Pay and Google Pay, and the trusted-execution environment that the App Store and Play Store now require for fintech apps. Not a webview pretending to be native, not a single "universal" app that fails the Apple Pay capability check.

2. Multi-Currency Wallets

Sub-accounts for 40+ currencies — USD, EUR, GBP, MXN, AED, INR, NGN, KES, BRL, IDR, PHP, VND, and 28 more. Customers receive and hold balances in any of them, with one tap to convert between any pair at the FX engine's mid-market rate plus your configured spread.

3. Virtual and Physical Card Issuance

Issue a virtual card in under three seconds — same flow Revolut and Wise use. Physical card fulfillment through Stripe Issuing, Marqeta, or Galileo, with embossed plastic, metal-tier variants for premium subscribers, and one-tap freeze / unfreeze controls inside the app. PAN-on-file, 3DS authentication, and tokenisation all handled.

4. Real-Time FX Engine

Interbank mid-market rates sourced from a primary liquidity feed (CurrencyLayer or OANDA), with configurable spreads per currency pair, per subscription tier, and per market hours. Locked-in conversion quotes valid for 30 seconds. The same architecture Revolut runs internally — the spread is your revenue lever, not a hidden fee.

5. P2P Payments and Request Money

Instant in-network transfers between your customers, payment requests with optional split-the-bill rules, contact-sync to find friends already on the platform, and QR-code one-tap pay. Out-of-network handoff to bank rails or to a Revolut/Wise-style invitation link if the recipient is not yet a customer.

6. International Transfers — SWIFT, SEPA, ACH, FedNow

Outbound and inbound rails to most of the world. SWIFT for global, SEPA Instant for the EU, ACH and FedNow for the US, Faster Payments for the UK, UPI bridge for India, PIX for Brazil. The compliance hooks (sanctions screening, travel rule, beneficial-owner verification) fire on every transfer above the configurable threshold.

7. Savings Vaults with Round-Ups

Customers create named goals — "Tokyo trip", "iPhone fund", "rainy day" — and round-up every card purchase to the nearest dollar, with the change auto-swept into the vault. Vaults can earn yield via your sponsor bank's high-yield account or via a stablecoin yield product if your jurisdiction allows it.

8. Crypto Trading and Custody

Spot trading on BTC, ETH, USDC, USDT, SOL, and 50+ tokens via Fireblocks or BitGo institutional custody. Spread-based pricing visible in the trade preview, withdrawal whitelists, optional staking yield, and Chainalysis-backed AML screening on every on-chain inflow and outflow.

9. Stock and ETF Trading

Fractional-share trading on S&P 500 names and major ETFs through a partner like DriveWealth or Alpaca. Real-time quotes, recurring buys, dividend reinvestment, and the same compliance suitability check Robinhood runs at account opening. Buyers in non-US jurisdictions can be routed to local equivalents via a configurable broker adapter.

10. Business Account Module

A separate sign-up flow for limited companies — multi-user roles, role-based spending limits, expense receipts, accounting integrations to QuickBooks, Xero, and FreshBooks, and bulk-payment uploads via CSV. The Mercury / Tide / Brex feature surface, behind your brand.

11. KYC and AML Engine

Persona for the primary onboarding flow, Jumio for jurisdictions where it has stronger acceptance, Onfido as a third option. Document capture, liveness check, sanctions screening via ComplyAdvantage, ongoing transaction monitoring, and a configurable rules engine that flags high-risk activity for human review.

12. Card Controls and Spending Insights

Freeze and unfreeze the card from inside the app, set per-merchant-category limits, block online or in-person use, enable or disable foreign transactions per-trip, and view auto-categorised spending (groceries, transport, dining) with monthly trend lines. The expectation buyers have post-Revolut.

13. Admin Compliance Dashboard

The operator's command centre — KYC queue, AML alert triage, sanctions hit review, suspicious activity reports (SAR) export, audit logs of every privileged action, regulator export packs in the format the local financial authority expects. Built in Next.js, deployed on your infrastructure, role-gated for compliance, fraud, and support teams.

14. BaaS Adapter Layer

The post-Synapse insurance policy. The codebase ships four production-ready BaaS adapters — Treasury Prime, Unit, Galileo, and Stripe Issuing — behind a shared interface. Swapping providers is a configuration change, not a rewrite. If your sponsor bank moves or your BaaS partner fails, you ship the same week instead of the same year.

The Tech Stack — What We Actually Use

Named tools at every layer. Every one is shipping in production on real builds:

• Mobile: React Native + Expo for the app shell, with native Swift and Kotlin modules for biometrics, secure enclave, NFC card provisioning, and the trusted-execution environment.
• Web frontend: Next.js 14 (App Router) + TypeScript + Tailwind for the admin compliance dashboard and the customer-facing web portal.
• Backend API: Node.js + tRPC + Zod for type-safe contracts, deployed on AWS Fargate behind an ALB with WAF rate-limiting and CloudFront in front.
• Primary database: PostgreSQL 16 with row-level encryption on PII columns, audit-log table partitioning by month, and logical replication to a read replica for analytics.
• Cache and pub/sub: Redis on ElastiCache for session, presence, FX rate snapshots, and the transaction-event bus.
• BaaS adapters: Treasury Prime, Unit, Galileo, Stripe Issuing — pre-wired behind a shared interface so swapping providers is a config change.
• Card processing: Stripe Issuing and Marqeta for the issuance side; Galileo as an enterprise alternative.
• KYC and AML: Persona, Jumio, and Onfido for identity verification; ComplyAdvantage and Chainalysis for sanctions screening and on-chain AML.
• FX liquidity: CurrencyLayer and OANDA feeds for mid-market rates, with a fallback to Bloomberg's BFIX where the contract is in place.
• Crypto custody: Fireblocks or BitGo institutional custody; on-chain analytics via Chainalysis.
• Brokerage adapter: DriveWealth or Alpaca for US fractional-share trading; regional adapters for non-US jurisdictions.
• Observability: Datadog APM and Sentry for error tracking, plus a regulator-export pipeline into S3 for audit retention.

Why Buy From Make An App Like Instead of Other Clone Shops

• 300+ apps shipped, four fintech builds in production. Two of them are live neobanks, two are crypto-and-fiat hybrid platforms. We are not learning card issuance, KYC, or BaaS adapters on your money.
• 14–21 days, not 9–18 months. The standard fintech clone agency quotes a multi-year build for the same scope. Synapse-style sponsor-bank risk compounds the longer your time-to-launch — your competitors ship while you wait.
• BaaS-vendor agnostic. Treasury Prime, Unit, Galileo, and Stripe Issuing are pre-wired behind a shared interface. After the April 2024 Synapse collapse, this is the single most expensive thing to fix retroactively — and the most expensive thing to skip building.
• PCI-DSS aware engineering. The codebase respects the SAQ-D scoping boundary, tokenises PAN data through the issuing provider, and ships with the audit logging the SOC 2 Type II auditors actually ask for.
• Honest about scope. We ship the app and the integrations. Your sponsor bank, BaaS contract, MSB or banking license, and compliance program are yours to bring. We help scope them, we do not pretend to provide them.
• Six months of free post-launch support. Bug fixes, library patches, App-Store rejection appeals, dependency upgrades, and BaaS-adapter version bumps. Most clone shops vanish at handover. We don't.