SwiftTransfer FAQs – quick answers before you send.
Clear, simple answers to common questions about sending money, topping up phones, paying utility bills, limits, security and support.
Use the search box and categories to quickly find what you need. If you still have questions, you can reach our team via Contact Us or in-app support once the app is live.
SwiftTransfer Solutions Ltd trading as SwiftTransfer, registered in England and Wales.
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Most questions fall into five areas: getting started, sending and receiving, fees and limits, security, and top-ups & bills. Use the tiles below or the search bar above to jump straight to what you need.
Getting started with SwiftTransfer
SwiftTransfer is a mobile app and service that lets you send money across borders, top up phones and pay everyday bills quickly and securely.
We focus on routes from the UK and Europe into selected African countries such as The Gambia and Senegal, with a design that works well on older smartphones and low data connections.
We are launching with key routes such as the UK and Europe to The Gambia and Senegal, and we plan to add more countries over time.
The latest list of supported countries, currencies and payout options will always be shown inside the app and on our website.
To get started, you usually need:
- Your mobile number
- A secure PIN or password
- Basic personal details such as your name and date of birth
For higher amounts or once you reach certain limits, we may ask for extra information or ID to meet UK and local regulatory requirements.
No. SwiftTransfer is designed to run smoothly on older Android and iOS smartphones and on low or pay-as-you-go data plans.
Screens are kept lightweight so you can sign up, send money, top up phones and pay bills even when your connection is not perfect.
In many cases you can still create a SwiftTransfer account as long as you meet our eligibility and ID checks.
However, you will need a supported method to fund your transfers (for example, a debit card or other accepted payment method) which may require a bank account or similar.
For security and regulatory reasons, we normally expect each person to have just one SwiftTransfer account linked to their verified details.
If you think you have created more than one account by mistake, contact support so we can help.
We will launch in English first and then add more languages based on where our customers are sending and receiving from.
Any additional language options will be clearly shown in the app settings as they become available.
Sending & receiving money
A standard SwiftTransfer money transfer looks like this:
- Choose how much you want to send and the receive currency.
- Add your recipient or pick them from your saved list.
- Select how they will receive the money (cash pickup, bank, mobile wallet).
- See the live rate, our small spread on the exchange rate and the exact amount due to arrive.
- Confirm and fund the transfer using your chosen payment method.
- Track the status in the app and get notified when it is ready or delivered.
Payout options depend on the country and our local partners. These may include:
- Cash pickup through authorised agents
- Deposits into local bank accounts
- Deposits into supported mobile wallets
The app will always show the options available for a specific corridor before you confirm a transfer.
Timing depends on the payout method, destination country and when you send. Some transfers are almost instant; others can take longer due to bank processing times or additional checks.
You will always see an estimated delivery time in the app before you confirm, and you can track progress in real time.
We keep both you and your recipient informed. Depending on the payout type and country, this may include:
- SMS or in-app notifications
- A reference number and instructions for cash pickup
- Clear status updates when funds are paid to a bank account or mobile wallet
Yes, where regulations allow it, you can send money to accounts or wallets you own in another country. You simply set yourself up as the recipient and follow the usual steps.
We plan to support recurring transfers for regular payments such as rent, school fees or monthly support. The app will show when this feature is available and how to set it up.
Please contact us immediately if you believe you have used incorrect details. In some cases we can stop or amend a transfer before it is paid out; in others, it may be too late.
Always double-check the recipient name, number and payout details before you confirm a transfer.
If the transfer has not yet been paid out or completed, it may be possible to cancel or amend it. Once funds have been collected or credited, reversing a transfer is much harder.
The app will show the current status and, where possible, give you a way to request cancellation.
Delays can be caused by weekends or holidays, bank processing times, extra checks requested by partners or missing information from you or your recipient.
If your transfer is significantly later than the estimate, contact support so we can investigate.
Most cash pickup partners will require some form of ID and the reference number. The exact rules depend on local regulations and our partner’s policies.
The app and the cash pickup instructions will clearly explain what your recipient needs to bring.
Fees, FX spread & limits
No. SwiftTransfer shows you the live exchange rate we offer, our small margin (spread) within that rate and the amount your recipient or bill is expected to receive or be credited with before you confirm.
We do not add surprise deductions on arrival. Where partners charge local fees, these are factored into the amounts we display so you can make an informed decision.
Minimum and maximum amounts depend on the route, payout method and your verification level. To keep things practical:
- There is usually a small minimum amount per transaction.
- Daily, monthly and per-transfer limits apply for safety and regulatory reasons.
The app and our Rates & Fees information will always show the latest limits for each corridor.
We follow UK and local regulations on Know Your Customer (KYC). In practice this means:
- You can usually start with basic details and smaller amounts.
- Once you send higher amounts, or go over daily or monthly thresholds, we will ask for ID and/or proof of address.
- We may request extra information if we detect unusual or high-risk activity or if required by a partner.
Our rates are based on live market data and pricing from our payment partners. We aim to keep them competitive while running a secure, sustainable service.
You can preview rates on our website or inside the app before you confirm a transfer, top-up or bill payment.
Our main revenue comes from a small margin in the exchange rate (the “spread”) rather than big fixed fees. The important thing is that the app always shows the final amount your recipient or bill will receive before you confirm.
Cash pickup can sometimes have different pricing due to partner and location costs. Any difference will be reflected in the rate and amount you see before you confirm the transfer.
Fees for failed or refunded transfers depend on the reason and where in the process the transfer is stopped. We will always explain any charges clearly in our terms and in communications with you.
Fees and rates may vary over time as markets and partner costs change, but we do not hide this. The app always shows the exact FX rate and any fee at the moment you create a transfer, top-up or bill payment.
We will provide a dedicated Rates & Fees section in the app and on the website showing typical ranges and limits for popular routes, including how our small spread on the exchange rate works.
Your bank or card provider may charge their own fees (for example, cash advance or international charges) depending on how they classify the transaction.
If you are unsure, check with your bank or card provider before you send.
Security, compliance & support
We use industry-standard security controls, strong authentication and secure connections to protect your account and data.
We also monitor for unusual or suspicious activity and have clear processes to investigate and respond if something does not look right.
Customer funds are kept separate from SwiftTransfer’s own money through safeguarding arrangements with regulated partners, in line with applicable UK requirements.
This means your money is not used for our own expenses or investments.
Contact us immediately using the details on our Contact Us page or from within the app.
We may temporarily pause activity on your account while we investigate. Acting quickly helps protect you and reduce the chance of loss.
The app will guide you through a secure reset process, which may include SMS or email verification and security questions.
Never share your PIN or password with anyone, including people claiming to work for SwiftTransfer.
Contact us as soon as possible so we can help protect your account. You should also protect your SIM and phone using your mobile network and device settings.
When you log in on a new device, we may ask for extra verification to confirm it is really you.
We use monitoring tools, limits and checks to help detect unusual activity and we may contact you if something looks risky.
We also provide guidance in the app and on our website about common scams so you know what to watch out for.
If you are unhappy with our service, please follow the steps on our Complaints Procedure page.
We take complaints seriously, use them to improve our service and, where applicable, will explain how you can escalate your case if you remain dissatisfied.
Top-ups & bill payments
Yes. You will be able to buy airtime or data bundles and top up your own phone directly from the SwiftTransfer app, where supported.
Just choose “Top up phone”, enter or confirm your number, select the amount and confirm the payment.
Yes. You will be able to top up anyone’s mobile phone as long as you have their number and the network is supported.
You can type the number manually or pick it from your contacts list (where permissions allow), choose the amount and confirm. This is ideal for helping family and friends keep their phones active.
Yes, where we are connected to local billers, you will be able to pay household bills such as electricity, gas and other utilities from the SwiftTransfer app.
You typically need a meter number, account number or reference plus the biller name and amount. The app will guide you through the required details step by step.
Yes. You will be able to save frequent phone numbers, meter numbers and other bill details as favourites so you can pay again in just a few taps.
You stay in control of what is saved and can edit or remove saved details at any time from your profile.
Yes. As long as you have the correct meter or account details and the biller is supported, you can pay a friend or family member’s bill directly from your SwiftTransfer account.
This is useful if you want to help with electricity, gas or other utilities back home instead of sending cash for them to pay.
In many cases, phone top-ups and bill payments are processed very quickly. Some billers may take longer to confirm or update balances.
The app will show you the typical timing for each service and any status updates as the payment is processed.
If your question is not covered here, reach out and we will walk you through things before you send a single pound or pay a single bill. We prefer you to ask and feel confident about how your money moves.
