+1
I wouldn’t be concerned about Revolut as a major competitor, personally I’m not a big fan of their core offering after trying it out, and the internet is littered with stories about their customer service not being up to scratch (however, I’ve never used it personally). Thinking back to
I’d much rather stick with a fully regulated member of the LSE for my investments, and a good quality bank for my banking, although I’m sure they will get a number of customers using their wealth offering, out of sheer ease of use (e.g. combining their vaults feature with a stocks and shares ISA - a la Moneybox) and lack of understanding about the big bad world of investment management.