Swift Pay multi-currency account pricing.

Everything you need to know about our account, card, receive, and send pricing. Say bye bye to bank fees for good.

See our pricing Open multi-currency account
Swift pay
Account pricing
Create your account Free
Get a UK account number and sort code Free
Get a U.S. account and routing number Free
Get a European IBAN Free
Get an Australian account and BSB number Free
Get a New Zealand account number Free
Get a Hungarian account number Free
Get a Romanian account number Free
Get a Singaporean account number Free
Hold 50+ currency balances Free

Using your debit card

With your own Swift Pay debit card, you can spend in the local currency — wherever you are. It's accepted anywhere that takes Mastercard or Visa.

You can spend on your Swift Pay debit card in any currency, and our smart tech will auto-convert it with the lowest possible fee. You'll always get the real exchange rate.

*This is our new withdrawal fee. If you opened your account before 1 December, 2020, the old fee applies until 1 January, 2021 — learn more

Card pricing
Order a Swift Pay debit card 5 GBP
Replacement card Free
Spend in currencies in your account Free
Convert a currency using your card Calculate
First 2 ATM withdrawals up to £200 / month Free
ATM withdrawals over £200 / month 1.75%
Over 2 ATM withdrawals / month 50p / withdrawal

Setting up your account

It’s free to create a Swift Pay account, and there are never any monthly fees or minimum balances to worry about.

Account pricing
Receive money in EUR, GBP, AUD, NZD, RON, HUF & SGD Free
Receive USD using ACH or bank debit Free
Receive USD wire transfers 7.50 USD

Sending money

We never, ever inflate the exchange rate.

With the Swift Pay account, you'll always get the real exchange rate. You only pay a small fee to convert currencies in your account.

Account pricing
Convert currencies Calculate
Fixed fee to send money (varies by currency) Calculate
GBP Direct Debit Free
EUR Direct Debit Free
AUD Direct Debit Free

Calculate any fee.

For total transparency, we built a calculator so you can check the fee for any currency, and any amount.

Calculate with any currency

Swift Pay financial regulation

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.

For expats like me this is a total

- Sophie, British living in Sydney

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