An 8x cheaper multi- currency Offshore bank account. For international people.

Get an account in minutes
Swift pay

Also available on

google store
Over 9 million customers Read on Trustpilot
FCA regulated
Learn more

Offshore Bank Account available for you in

offshore bank account send money
Send money up to 8x cheaper than banks.

We’re on average 8x cheaper than leading UK high street banks, and we use the real exchange rate.

Send money
spend-abroad
Spend abroad without the hidden fees.

Use a card in 200 countries, spend with Apple and Google Pay, and withdraw anywhere. Get yours for 5 GBP.

See our pricing
send money
Receive payments like a local in 9 currencies.

Get your own UK account number, Euro IBAN, US routing number, and more.

See all bank details
send money
Convert and hold 55 currencies.

Holding multiple currencies is completely free, and we use the real exchange rate to convert.

See all currencies
Compare our pricing

We charge as little as possible. No
subscription

Compare the costs
Send £250 to EUR £7.89 £18.73 £23.55
Spend £250 on debit card in EUR £15.66 £17.43 £16.91
Withdraw £250 / month cash in EUR £17.14 £18.40 £20.64
Receive AUD, NZD, EUR, GBP, PLN and USD into your account N/A N/A N/A

The above information applies when you pay via bank transfer or ACH payments. How do we collect this data?

Moving and living
abroad just got simpler

 

Receive your salary, pension, and more.

Relocate without the stress — and without the multiple bank
accounts
. Share your details with your employer, pension
scheme, family or friends, and get paid like a local.

 

Spend in local currency with your card.

Avoid the bank appointments, and start spending as soon as
you get there. With the Swift Pay debit card, you’ll always
get the best possible exchange rates for offshore banking.

 

Move your money between countries.

Send money to more than 70 countries, always with a low and
transparent fee. With Direct Debits in the UK, Europe and US,
paying your bills and subscriptions across currencies is easier
than ever.

The perfect card for
frequent travelers

 

Spend in multiple currencies.

Get your expat account for 5 GBP to spend in the local currency, wherever
you are. With a better exchange rate and lower fees than your
bank.

 

Your money is always safe.

Freeze and unfreeze your card whenever you like. And with
PIN reminders and instant transaction notifications, you can
stay in the know.

 

Works worldwide.

Use your card in more than 200 countries and withdraw
money from 2.3 million ATMs. Tap or swipe anywhere — and
use Google Pay and Apple Pay in supported countries.

Receive money from
around the world

 

Get paid like a local.

UK account number, Euro IBAN, US routing number, and more.
All in one account. Receive your salary, invoice payments,
pension, and profit from shares.

 

Work anywhere and link your account to
Amazon, PayPal, and more.

Use your account details to receive and manage your earnings.
Invoice like a local and manage your earnings from various
online platforms and storefronts.

 

Convert your money in seconds.

Receive payments from anywhere, and convert them to 55
currencies. You’ll always get the real exchange rate, and the
low fees we’re known for.

Take the stress out of
managing property

 

Save when you buy property abroad.

Sending money with Swift Pay is on average 8x cheaper
than UK banks. And with our tiered pricing for large amounts,
you get an even lower fee on any transfers over 100,000 GBP
or equivalent in your currency.

 

Pay your bills remotely.

Hold 55 currencies in one place. Easily manage your mortgage
and utility bills across currencies with Direct Debit in the UK,
Europe and US, and pay tradespeople like a local.

 

Receive payments from tenants.

Get paid in 9 currencies with your own offshore bank account details. And
when the rate is right, convert your money in seconds.

Getting started

Get set up and start spending with
your card in minutes.

Verify your identity

All you need to receive money or order a card is your government ID.

Top up your account

You can add money using your bank account, Apple Pay, credit/debit card.

Share your offshore bank details to get paid, or spend around the world with your debit card.

Get an account in minutes

Global support in a
range of languages

 

We don’t do complicated, automated systems. We have
offices around the world, and we’re here to help you whenever
you need it.

See most frequently asked questions

Security

Protecting you and your money

Every month, our customers trust us to move over £4 billion of their money. Here are some of the
important ways we protect them.

Your money is safe

We keep 100% of your money with leading financial institutions like JP Morgan Chase, Deutsche Bank, and Barclays.

Regulated by the FCA

We’re regulated by the FCA and numerous authorities around the world. They hold us to the same standards as your bank.

Swift Pay doesn't touch your money

We separate your money from the accounts we use to run our business. It’s safe, no matter what happens to Swift Pay.

Extra secure transactions

We use two-factor authentication to protect your account and transactions. That means you — and only you — can get to your money.

Data protection

We’re committed to keeping your personal data safe, and we’re transparent in how we collect, process, and store it.

Dedicated fraud team

We work round the clock to keep your account and money protected from even the most sophisticated fraud.

Coverage

Get these local account details.

These are the account details you can share with others to receive money. Anyone can use these
to pay you just like they'd pay a local.

europe flag British Pound

Get your own Account Number and Sort Code.

europe flag Euro

Get your own SWIFT/BIC and IBAN details.

europe flag US Dollar

Get your own Routing (ABA) and Account Number.

Australia flag Australian Dollar

Get your own BSB Code and Account Number.

New-Zealand flag New Zealand Dollar

Get your own Account Number.

hungarian flag Hungarian Forint

Get your own Account Number.

hungarian flag Romanian Leu

Get your own SWIFT/BIC and IBAN details.

singapore flag Singapore Dollar

Get your own Account Number.

Hold and convert money

You can hold and convert money in 55 currencies. It only takes a few seconds to open a new
balance in the currency you need.

Euro
British pound
US dollar
Polish złoty
Swiss franc
Norwegian krone
Swedish krona
Danish krone
Australian dollar
Canadian dollar
Japanese yen
Hungarian forint
Georgian lari
Hong Kong dollar
Indian rupee
Indonesian rupiah
Malaysian ringgit
Mexican peso
Romanian lei
Turkish lira
New Zealand dollar
Philippine peso
Russian ruble
Singapore dollar
South African rand
Thai baht
Israeli shekel
Czech koruna
Bulgarian lev
Chilean peso
Colombian peso
Costa Rican colón
Ghanaian cedi
South Korean won
Nigerian naira
Pakistani rupee
Bangladeshi taka
Peruvian sol
Sri Lankan rupee
Vietnamese dong
Kenyan shilling
Moroccan dirham
West African franc
Ugandan shilling
UAE dirham
Chinese yuan
Croatian kuna
Egyptian pound
Tanzanian shilling
Ukrainian hryvnia
Uruguayan peso
Argentine peso
Nepalese rupee
Botswana pula
Zambian kwacha

Send money to 70+ countries

You can use money in your multi-currency account to send to any of the currencies on
Swift Pay.

Argentine peso

Australian dollar

Bangladeshi taka

Bulgarian lev

Brazilian real

Botswana pula

Canadian dollar

Swiss franc

Chilean peso

Chinese yuan

Colombian peso

Costa Rican colón

Czech koruna

Danish krone

Egyptian pound

Euro

British pound

Georgian lari

Ghanaian cedi

Hong Kong dollar

Croatian kuna

Hungarian forint

Indonesian rupiah

Indian rupee

Japanese yen

Kenyan shilling

South Korean won

Sri Lankan rupee

Moroccan dirham

Mexican peso

Malaysian ringgit

Nigerian naira

Norwegian krone

Nepalese rupee

New Zealand dollar

Peruvian sol

Philippine peso

Pakistani rupee

Polish złoty

Romanian lei

Russian ruble

Swedish krona

Singapore dollar

Thai baht

Turkish lira

Tanzanian shilling

Ukrainian hryvnia

Ugandan shilling

US dollar

Uruguayan peso

Vietnamese dong

West African franc

South African rand

Zambian kwacha

UAE dirham

Israeli shekel

FAQs

It's free to set up your Swift Pay account.
It's free to get your international bank details and free to receive money using those bank details.
There's a cheap, transparent fee to convert between currencies - either in your account or if you spend on your Swift pay debit Mastercard® in a currency you don't have in your account.
When you convert money in your account it's always with the real exchange rate, and you always see our low, transparent fee up front so there's never any surprises. And if you spend on your debit Mastercard in a currency you don't have, it autoconverts the balance with the lowest fee, so you never have to worry.
Read more about pricing

We charge a fee to convert money between currencies in your account. It varies from currency to currency. We recently changed the way we work out those fees. The easiest way to understand your conversion fees is to visit our price checker.

You'll always see these fees upfront in your account, so there are no nasty surprises. And you're guaranteed the mid-market exchange rate — like the one you see on Google.
Check the latest fees

AThere's a small fixed fee to withdraw funds from your Swift Pay account to another account in the same currency. The fee we charge to send money depends on the currency you're sending from.

This is the lowest we can charge to cover costs, and we're committed to getting the fee down over time.

See same currency transfer fee by currency

Swift Pay is an authorised Electronic Money Institution independently regulated by the Financial Conduct Authority (FCA) in the UK.

This means we're required by law to keep your money safe by storing it in a low-risk financial institution - in Europe this is in our UK account with Barclays, in the US this is in our US account with Wells Fargo.
These accounts are reserved for customer money, this means your money is kept in a separate account from the money we use to run the business.
In the unlikely event Swift Pay ceased to exist, your money would be paid back from this account, ie from Barclays or Wells Fargo, however it is not covered by the Financial Services Compensation Scheme (FSCS) and therefore is deposited at your own risk. You also cannot earn interest on the money in your Swift Pay account.
Millions of customers trust Swift Pay with their money. We move over £4.5 billion every month, and we take the safety and security of your money seriously.
The Swift Pay debit Mastercard is issued by Swift Pay Ltd under license by Mastercard International Inc. Mastercard is a registered trademark, and the circles design on the card is a trademark of Mastercard International Incorporated. Swift Pay is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011, Firm Reference 900507, for the issuing of electronic money.