Current accounts
Open in minutes with just your phone. Get a local IBAN, virtual cards and instant payments out of the box.
- No monthly fees
- Instant account activation
- Contactless virtual card
Insured depository · Regulated partner banks
Banking that moves as fast as you do.
Digital banking for a connected world. Send money across the street or across the planet in seconds, earn more on every dollar, and manage everything from one beautifully simple app.
- Active customers
- 4.2M+
- Money moved / yr
- $18B+
- Trust score
- 4.9/5
Trusted by teams at
Northwind
Acme Corp
Globex
Initech
Soylent
Umbrella
Products
Everything your money needs
One platform for spending, saving, sending and investing — with zero monthly fees and no minimums.
Smart cards
Physical and virtual cards with tap-to-pay, Apple Pay & Google Pay. Freeze anytime from the app.
- 1% cashback on everything
- Instant freeze & unfreeze
- Custom spending limits
Instant transfers
Send money to friends, suppliers or across borders in seconds — 24/7, 365 days a year.
- Peer-to-peer in seconds
- 40+ currencies supported
- Live FX with no hidden margin
Crypto wallet
Buy, hold and spend Bitcoin, Ethereum and 30+ tokens directly from your dashboard.
- Self-custody option
- Built-in exchange
- Cold storage by default
Savings vaults
Put money aside in high-yield vaults and watch it grow with interest paid daily.
- 4.25% APY on balances
- Goal-based saving pots
- No lock-in, withdraw anytime
Bill payments
Schedule utilities, rent and subscriptions in a couple of taps. Automatic or manual, your call.
- Auto-pay schedules
- Payment reminders
- Split bills with friends
Bank-grade security
Protected like a fortress. Feels like a breeze.
Every transaction is shielded by military-grade encryption, continuous fraud monitoring and multi-factor authentication. Your money — and your peace of mind — stay safe.
- 256-bit end-to-end encryption on every session
- Real-time AI fraud monitoring, 24/7/365
- Biometric login & hardware-key support
- Instant transaction alerts & one-tap card freeze
256-bit AES
Encryption at rest & in transit
GDPR + PCI DSS
EU privacy & cardholder data
SOC 2 Type II
Independently audited controls
FDIC insured
Deposits covered up to $250k
Loved by millions
Don’t take our word for it
“Transfers to my clients abroad used to take days and cost a fortune. Now they arrive instantly and the FX rate is always the real one. Absolute game changer.”
Sofia M.
Freelance designer
“The vaults alone convinced me — I moved my emergency fund here and the daily interest is visible in the app. Support answers in minutes, even on Sundays.”
Daniel K.
Startup founder
“I live in three countries a year and Swift Financial Bank just works. Freeze my card, order a new one, pay local bills — everything from my phone.”
Aisha R.
Digital nomad
FAQ
Questions, answered
Everything you need to know about Swift Financial Bank. Still curious? Talk to us.
Sign up in under three minutes with your email, phone and basic identity details. Most accounts are activated immediately and your card arrives within 5–7 business days.
No. Our standard current account has zero monthly fees and no minimum balance requirement. Some premium products carry transparent flat fees that are always shown before you commit.
Transfers between Swift Financial Bank accounts are instant. External and international transfers typically arrive within minutes with SEPA/FedNow rails, and 1–3 business days for other corridors.
Deposits are held with licensed partner banks and insured up to the statutory limit. Your data and transactions are protected with 256-bit encryption, multi-factor authentication and 24/7 fraud monitoring.
Absolutely — freeze and unfreeze instantly, set spending limits, block online purchases and order replacement cards, all from the dashboard.
Our support team is available 24/7 by phone and email. Disputed transactions are investigated promptly and provisional credit is issued while we review.
Get started today
Your money, finally in motion.
Open an account in minutes. No minimum balance, no monthly fees, and no fine print — ever.
Two-factor authentication
No hidden fees
Cancel anytime