数字银行Revolut的英国首席执行官弗朗西斯卡·卡莱西（Francesca Carlesi）向路透社表示，该公司已开始在英国提供无抵押个人贷款，此举标志着这家欧洲估值最高的初创公司正式进入由英国各大银行主导的利润丰厚的消费信贷市场。
Digital bank Revolut has begun offering unsecured personal loans in Britain, its UK chief executive Francesca Carlesi told Reuters, taking Europe's most valuable startup into a lucrative consumer lending market dominated by the country's biggest banks.
此举推动Revolut超越其核心的支付和订阅产品，进入风险更高的业务领域，旨在与国民西敏寺银行（NatWest）、劳埃德银行（Lloyds）、巴克莱银行（Barclays）、桑坦德银行（Santander）英国业务以及汇丰银行（HSBC）等贷款机构展开更直接的竞争。
The move pushes Revolut beyond its core payments and subscription products and into a riskier business as it seeks to compete more directly with lenders including NatWest (NWG.L), Lloyds (LLOY.L), Barclays (BARC.L), Santander's (SAN.MC) UK business and HSBC (HSBA.L).
卡莱西表示：“我们希望从一个非常成功的日常消费应用程序和市场颠覆者，转型为实际上是英国每个人首选的主要银行。”
"We want to transition from being a very successful everyday spending app and disrupting the market, to become effectively the primary bank of choice for everybody in the UK," Carlesi said.
卡莱西还表示，Revolut将在不久的将来推出信用卡产品，这是其提高每位客户创收能力这一更广泛努力的一部分，而该指标正是其落后于传统银行的地方。
Revolut will also launch a credit card product in the near future, Carlesi said, part of a broader effort to increase the income it generates from each customer, a metric by which it lags traditional banks.
自2015年由首席执行官尼克·斯托隆斯基（Nik Storonsky）和弗拉德·亚岑科（Vlad Yatsenko）创立以来，总部位于伦敦的Revolut已在全球范围内发展到拥有超过8000万客户，其私人估值达到1150亿美元，超过了巴克莱银行和国民西敏寺银行等上市竞争对手。
Since its creation in 2015 by CEO Nik Storonsky and Vlad Yatsenko, London-based Revolut has grown worldwide to serve more than 80 million customers and commands a private valuation of $115 billion, bigger than listed rivals like Barclays and NatWest.
然而，该银行仍面临质疑，即其每位客户的收入远低于竞争对手，且将Revolut作为主要银行账户并存入工资的客户比例较低，在这种情况下，它能否维持其高速增长。
Yet the bank still faces questions over whether it can sustain its breakneck growth with per-customer revenue well below rivals along with the proportion of its customers using Revolut for their primary bank account and paying salaries in.
Revolut的快速增长也引起了监管和运营方面的审查。2025年，立陶宛中央银行因其在交易监控控制方面的缺陷对其处以了创纪录的350万欧元罚款；本月，它还受到谷歌云（Google Cloud）长达数小时的服务中断影响，成为受波及的金融公司之一。
Revolut's rapid growth has also drawn regulatory and operational scrutiny. In 2025, Lithuania's central bank imposed a record €3.5 million fine over shortcomings in transaction-monitoring controls, while this month it was among financial firms hit by an hours-long Google Cloud outage.
虽然Revolut已经在其他一些国家提供无抵押贷款，但英国是其最大的市场之一。
While Revolut already offers unsecured loans in some other countries, Britain is one of its biggest markets.
卡莱西表示，Revolut最初将采取谨慎态度，向选定的客户群体提供贷款，并在未来几个月内将其推广至英国的1400万客户。
Carlesi said Revolut will initially take a cautious approach, offering loans to a selected group of customers and expanding to its 14 million customers in Britain over the coming months.
Revolut发言人称，贷款金额将在2000英镑至2.5万英镑之间，利率为6.9%至29.3%。
The loans will range from £2,000 to £25,000, with rates of 6.9% to 29.3%, a Revolut spokesperson said.
卡莱西表示，由于缺乏传统银行所拥有的数十年客户消费和还款数据，Revolut通过从外部供应商购买信息来补充其承销工作，并补充称公司对自身的信贷分析充满信心。
Without the decades of customer spending and repayment data held by traditional banks, Revolut has supplemented its underwriting with information purchased from external providers, Carlesi said, adding that the company was confident about its credit analysis.
卡莱西表示，Revolut将逐步扩大贷款规模，目前没有设定在英国的总体贷款目标。
Revolut will expand lending gradually and does not have a target for its overall lending in Britain, Carlesi said.
她说，该银行最终将寻求通过证券化来转移大部分风险，目标是将存贷比保持在6%左右，远低于其他银行。
The bank will eventually look to offload much of its risk via securitisation, aiming to keep its loan-to-deposit ratio close to 6%, far lower than other banks, she said.
卡莱西表示，Revolut最终还计划进入英国竞争激烈的抵押贷款市场。
Carlesi said Revolut also eventually plans to enter the highly competitive market for mortgages in Britain.
Revolut的贷款扩张正值英国持续面临生活成本挑战之际，劳动力市场疲软和通胀上升加剧了这些挑战，这可能会影响借款人的债务偿还能力。
Revolut's lending push comes amid persistent cost-of-living challenges in Britain worsened by a soft labour market and rising inflation, which could weigh on borrowers' ability to repay debt.