How SwiftTransfer Works – Simple International Money Transfers
SwiftTransfer helps you send money home quickly and securely, wherever you or your loved ones are. Lightweight, low-data, and simple enough for anyone to use.
From your first transfer to regular support, every part of SwiftTransfer is designed to be clear, affordable, and stress-free.
Five simple steps to send money with SwiftTransfer.
The process is the same every time: create your account, add who you’re sending to, top up, choose how they receive the money, and verify your account only when higher limits are needed.
Sign up in minutes
Create your SwiftTransfer account using just your phone number — no long forms or complicated paperwork.
- Enter your mobile number
- Receive a one-time SMS code
- Set your 4–6 digit PIN
- Start sending straight away
Works on a wide range of smartphones, including older devices and low-data plans.
Choose who you’re sending money to
Add the person you’re supporting, whether they use a bank, mobile wallet, or prefer to collect cash.
- Recipient’s full name
- Their phone number
- Payout method (bank, wallet, cash pickup, or QR withdrawal)
Save frequent recipients so future transfers take just a few taps.
Top up & pay securely
Add money to your SwiftTransfer balance and see exactly what everything costs before you confirm.
- Add funds using your bank card or Apple Pay
- See the exchange rate and total cost upfront
- View the final amount your recipient will receive
No hidden fees — just a clear total before you send.
Choose how they get the money
Your recipient picks the option that fits their everyday life, based on what’s available locally.
- Cash pickup via trusted local agents
- Mobile wallet
- Bank account
- QR code withdrawal (where available)
Clear instructions are shown in-app or by SMS so collecting funds is straightforward.
Verify your account (only when needed)
You can send instantly at lower amounts. Higher limits unlock automatically after a quick, secure verification.
- Basic: Send smaller amounts with minimal details and no ID upload.
- Verified: Upload your ID and a selfie to unlock higher limits.
- Premium: Add proof of address to access the highest limits available.
Identity checks are powered by regulated, compliance-focused partners. In most cases, verification takes just a few minutes.
Built for real life, not just perfect Wi-Fi.
SwiftTransfer is designed for busy people sending money across borders — even when devices are older, data is limited, or banking access is uneven.
Straightforward from the first tap
No endless menus, no confusing jargon. Just a clear flow from sign up to payout, with everything explained in simple, human language along the way. If you want to explore costs in more detail, you can always visit our Rates & Fees page.
Real people. Real help when you need it.
If something doesn’t look right with a transfer, you won’t be left on your own. Our support team understands how important your money is to the people who receive it.
Talk to us in a way that suits you
Get help through WhatsApp, in-app chat or email. We can guide you or your recipient step by step — especially if you're not used to using money apps. You can also browse our FAQ or contact our support team directly from the website.
Constantly improving for you.
- Expanding payout options and coverage so more people can receive funds in ways that work for them.
- Smarter tracking, alerts and notifications to keep you updated at every stage of the transfer.
- More tools and insights to help you plan regular transfers and support the people you care about.
Get early access, create your account in minutes and send your first international transfer with clear pricing and real support behind you.