A business account to send, spend, and receive multiple currencies
with the real exchange rate. Do business without borders.
Pay invoices and people abroad
Receive money with low fees
Seamlessly integrate with Xero
Spend with a free debit card
Open a self-service account online to send, spend, and receive multiple currencies, and make batch payments.
If your international payment volume is £200K+ a month, contact us about our API. Let's find a solution to help you scale.
Pay invoices, buy inventory, and handle payroll with the real
exchange rate in over 50 currencies — for way cheaper than
Send money directly from your own debit card or bank, or make payments from your business account balance. Your recipient doesn't need a Swift Pay account to receive their money.
Get your own local bank details for a small, one-time setup fee —
without a local address. Use them to get paid or withdraw money
from platforms like Amazon.
Hold that money in your account for future payments or move it to your bank or other business accounts.
Use your Swift Pay Business Mastercard® to pay business expenses
and spend online or in-store all over the world.
If you don’t have the currency in your account, we’ll automatically convert the amount for you.
- Sam Argyle, Managing Director of Alternative Airlines
There’s a small fee to convert currencies in your account and no hidden fees in the rate we offer you.
Businesses big and small can access our open API to automate payments, connect business tools, and create beautiful ways to manage finances.
You can send money to 80+ countries and hold 50+ currencies.
You can also get your own Eurozone, US, Australia, New Zealand, and UK bank details to get paid like a local.
It's free to set up your Swift Pay for Business account.
There's a cheap, transparent fee to convert between currencies — either in your account or if you spend on your Swift Pay Business Mastercard® in a currency you don't have in your account.
If you want to get international bank details, there's a one-time £16 fee (or equivalent). It's free to receive money using some of your bank details. Others have a low fee.
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 Business Mastercard in a currency you don't have, it autoconverts the balance with the lowest fee, so you never have to worry.
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 assets are 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 borderless account.
Millions of customers trust Swift Pay with their money. We move billions of pounds 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.
We use the real exchange rate plus a small conversion fee when you convert a balance in your account to a different currency.
A full list of our currencies and pricing is available here →
No. When you send money with Swift Pay for Business it goes directly into your recipient's bank account.