Revolut launches AIR in Spain to bring banking and travel services into one AI conversation

Revolut has launched AIR, its artificial intelligence assistant, in Spain as part of a wider European rollout, allowing customers to access financial information and manage certain services through conversations within its app.

The Spanish launch, announced on 1 September, follows the service’s introduction in the United Kingdom on 9 April 2026. AIR, short for AI by Revolut, connects customers’ questions with information and functions already available through the platform.

The main change is how those services are accessed. A customer can ask for a breakdown of supermarket spending, review subscriptions or request that a lost card be frozen, without navigating separately through each corresponding section.

Julia Ponomareva, Revolut’s partner and general manager of customer experience and AI products, said the objective is to make financial management more accessible through conversation and reduce the need to move between menus.

AIR also provides information about investment portfolios and individual assets. These functions are informational: Revolut’s terms exclude financial and investment advice and do not allow the assistant to place, modify or cancel orders in financial instruments. The company warns that responses may be inaccurate or incomplete.

Travel is another part of the proposition. According to the launch announcement, AIR can help build itineraries, review previous travel spending and find accommodation and activities suited to a customer’s budget. Revolut also describes accommodation-booking capabilities and assistance with its RevPoints loyalty programme.

The combination brings travel services closer to the account used to pay for them. From a business perspective, that could encourage customers to use more of Revolut’s products within the same application.

Customers can access AIR by swiping down from the middle of the app screen or opening the Profile, Chats and AIR sections.

Privacy is a central part of the company’s presentation. Revolut says AIR accesses information customers can already see, including transactions, cards and investments. According to the company, external AI providers do not retain personal information or use it to train their own models.

Using AIR nevertheless authorises the sharing of information needed to process a request with technology partners. Revolut says conversations are generally recorded and assessed for quality. External non-retention therefore does not mean that no conversation records exist.

The launch also sits within a broader effort to develop proprietary AI capabilities. On 25 August, Revolut announced Revolut Research, a division supporting its machine-learning activities and the development of PRAGMA, a financial foundation model created in collaboration with NVIDIA.

The company describes applications in risk assessment, fraud detection, platform operations and product recommendations. In that announcement, Revolut reported more than 80 million retail customers and a presence across more than 40 markets.

AIR is the customer-facing part of that broader direction: an attempt to make an expanding catalogue of services easier to navigate through natural-language requests.

For Revolut, the commercial opportunity is to keep more everyday activity inside its app. Sustained adoption will depend on whether conversational access proves useful in practice, produces reliable responses and clearly separates financial information from actions affecting customers’ money.