AIR (short for AI by Revolut) is an integrated artificial intelligence assistant built directly into the Revolut mobile application. Designed as a conversational execution layer, AIR replaces complex multi-screen menu navigation with natural language commands—allowing users to analyze spending, track investment portfolios, cancel recurring subscriptions, freeze/generate cards, and plan travel with instant eSIM purchases, all secured by biometric verification and a strict zero-data-retention privacy guarantee.

As mobile banking superapps expand into diverse verticals (cards, wealth, crypto, telecom, and travel), user interfaces often become crowded and difficult to navigate. Revolut AIR addresses this complexity by serving as a 24/7 conversational interface accessible with a single swipe down from the app’s home screen, enabling users to query data and execute banking actions through simple dialogue.

Feature & Capability Matrix at a Glance

Functional Area	Platform Capability	Core User Advantage
Spending & Budgeting	Natural language queries & expense breakdowns	Ask questions like “Where did my money go this month?” or compare specific category trends.
Card & Security Controls	Instant freeze/unfreeze, spend limits & virtual cards	Generate single-use virtual cards or freeze lost cards in seconds via text.
Subscription Manager	Recurring payment audits & cancellation assistance	Identifies hidden fees, alerts to price increases, and helps pause recurring charges.
Investment Tracking	Portfolio performance summaries & stock lookups	Check real-time asset prices and portfolio returns without navigating sub-tabs.
Travel & Telecom Hub	Currency conversions, trip budgets & eSIM provisioning	Order local data plans (e.g., “Buy a 3GB eSIM”) and track overseas expenses.
Security & Privacy	Biometric validation & zero data retention	Sensitive actions require Face ID/Touch ID; prompts are never stored by AI partners.

Core Highlights & System Pillars

• Conversational Action Execution: Unlike basic support chatbots that only link to FAQ articles, AIR acts as an execution engine. It completes tasks natively within the app—such as adjusting card security settings, converting currencies, or activating mobile data.

• Retrieval-Augmented Architecture (RAG) with Bank-Grade Security: AIR operates via secure Retrieval-Augmented Generation. The AI model performs semantic reasoning while pulling verified numbers solely from Revolut’s closed database. Crucially, AIR only accesses financial data the user already has permission to view.

• Zero-Training & Zero-Data-Retention Policy: Customer financial records and conversational prompts are strictly shielded. User data is never stored by external AI model providers or used to train third-party machine learning models.

• Integrated at No Extra Cost: AIR is rolled out natively across all Revolut account tiers (Standard, Plus, Premium, Metal, and Ultra) at no additional charge or separate subscription fee.