Open an international business
account in minutes.

A business account to send, spend, and receive multiple currencies with the real exchange rate. Do business without borders.

Create your business account

Pay invoices and people abroad


Receive money with low fees

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Seamlessly integrate with Xero

debit card business

Spend with a free debit card

Swift Pay works for everyone.

Freelancers, entrepreneurs, and sole traders

Freelancers, entrepreneurs, and sole traders

Get an alternative to a business bank account. Invoice like a local, avoid fees on Stripe, and spend on a debit card.

Learn more →

Small- to medium-sized businesses

Small- to medium-sized businesses

Open a self-service account online to send, spend, and receive multiple currencies, and make batch payments.

See how it works →

Large or enterprise level businesses

Large or enterprise level businesses

If your international payment volume is £200K+ a month, contact us about our API. Let's find a solution to help you scale.

Contact us →

International payments, 19x cheaper.

Pay invoices, buy inventory, and handle payroll with the real exchange rate in over 50 currencies — for way cheaper than PayPal.

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.

Send money today →

Receive money with zero or low fees.

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.

Get Started →

Spend anywhere with no hidden fees.

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.

Get my account and card today →

We used Swift Pay to convert our USD revenue to GBP and saved £75k in the first nine months after switching from our bank.

- Sam Argyle, Managing Director of Alternative Airlines

Checkout the Case study

The features your business loves.

Accounting integration

Connect with Xero, FreeAgent, QuickBooks and more.

Connect now →

Accounting integration

Connect with Xero, FreeAgent, QuickBooks and more.

Connect now →

Accounting integration

Connect with Xero, FreeAgent, QuickBooks and more.

Connect now →

Accounting integration

Connect with Xero, FreeAgent, QuickBooks and more.

Connect now →

The real exchange rate, always.

There’s a small fee to convert currencies in your account and no hidden fees in the rate we offer you.

Account pricing
Create your account Free
Fixed fee to send money (varies by currency)


Hold 50+ currency balances Free
Get bank details to receive currencies

£16 (one-time fee)

Add money to your account

See price checker

Convert currencies

See price checker

A powerful open API.

Businesses big and small can access our open API to automate payments, connect business tools, and create beautiful ways to manage finances.

Explore our docs →

Coverage around the world.

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.

See what currencies we cover →


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.

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

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.

Visit our Help centre