Lowest Fee Instant International Money Transfer

Market Leading FX Rates and Lowest International Transfer Fees

We offer the some of the best foreign exchange rates in the market, coupled with the lowest transfer fees. SWiM PAY is committed to providing you with the most cost-effective solutions for your international money transfers. Our competitive pricing ensures you receive the highest value for your money, making us the preferred choice for businesses worldwide.

Cash Back Rewards Program

SWiM PAY clients receive automatic free membership in our business rewards program—SWiM REWARDS. Earn points for US Cashback simply by making or receiving payments on SWiM PAY. We automatically credit your USD$ reward points into your SWiM REWARDS account, which can be redeemed for cash in US Dollars or one of the 49 currencies we provide.

Alternatively, you can use your points on the SWiM REWARDS Marketplace for over 4,500+ gift cards, or swap points in participating programs like hotels or airlines. You can even transfer points to others with a SWiM REWARDS account. SWiM REWARDS gives you the freedom to use your points how, when, and where you want.

Linked Funding Accounts

You pay no fees to deposit or withdraw money between your SWiM PAY digital wallet and your own nominated external bank account. We refer to your nominated external bank account as your "Linked Funding Account" so that we can identify Pay Ins or Pay Outs to/from that bank account registered on your SWiM PAY account and ensure that no fees are ever charged to you on those transactions. This seamless integration allows you to easily manage your funds without any additional costs, providing a hassle-free financial experience.

49 Pay Out Currencies

We facilitate transactions in 49 pay-out currencies, providing comprehensive coverage for your global financial operations. Whether you need to send money to Europe, Asia, Africa, or the Americas, SWiM PAY ensures your funds reach their destination quickly and efficiently.

How does it work? Fund your Pay Out digital wallets by converting from any of the 15 Pay In currencies using our FX Conversion. Then you can pay out in that currency. If you no longer need a specific currency, simply convert it back to any of the 15 Pay In currencies without any fees—this is what we call Reverse FX.

Better Reporting & Documentation

Our platform offers superior reporting and documentation features, ensuring that you have complete visibility and control over your financial activities.

Automatic Monthly Account Statements

With SWiM PAY, you receive automatic monthly account statements, providing a comprehensive overview of your transactions. These statements help you keep track of your financial activities and ensure accurate record-keeping.

Pay Out Auto-Conversion

With SWiM PAY, you can pay invoices in different currencies even if you don’t have enough funds in that currency. Simply select the Payee and enter the amount. If funds are insufficient, choose an alternate digital wallet with enough funds, and SWiM PAY will convert the amount instantly. The Payee receives the payment in their currency, while you pay from your available funds.

Make Bulk Payments

SWiM PAY's bulk payment feature allows you to process multiple transactions simultaneously, making it easier to manage payroll, supplier payments, and other large-scale financial operations. Where some international companies charge large fees to use their billing systems, SWiM PAY offer this feature at no extra charge. This functionality is designed to enhance efficiency and reduce administrative workload.

Global Coverage

SWiM PAY's extensive global network allows you to send and receive funds in over 190 countries. Our platform supports transactions in 49 currencies, ensuring that no matter where your business operates, we can facilitate your financial needs efficiently and cost-effectively.