Rates that respect my money
I send half my salary home every month. The rate was a full peso better than my bank and the money landed before dinner. I will never queue at a branch again.
International currency transfers for everyone
- Bank-beating exchange rates
- Zero hidden fees
- Transfers around the clock
- Live rate shown before you pay
- Human support in 13 languages
Popular countries our customers send
money
From family support to business payments, Swiftsettle Pay delivers to bank accounts, cash points and mobile wallets in more than 120 countries.
How does money transfer work?
Three simple steps stand between you and money delivered — no branch visits, no paperwork marathons.
Create a free account
Sign up in minutes with your email and a photo ID. Verification is usually instant, so you can send on day one.
Send your funds
Enter the amount, pick bank transfer, cash pickup or mobile wallet, and pay by card or bank debit. The live rate is locked in.
Track your transfer
Follow every step by SMS, email or in the app — from the moment you send to the second it arrives.
Why choose Swiftsettle Pay
Banks add margins to the exchange rate and fees on top. We built Swiftsettle Pay to do the opposite: one honest rate, one small fee, and delivery you can set your watch by.
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Rates that beat the banks
Our mid-market-linked rates save customers an average of 3.1% on every transfer compared with high-street banks — see the saving before you pay.
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Genuinely fast
Over 80% of transfers arrive within minutes. Express corridors pay out the same day, and bank transfers land the next working day.
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Effortless to use
Repeat a transfer in two taps, save favourite recipients, and let rate alerts tell you the perfect moment to send.
Personal currency transfer services
One account covers every way you move money — from monthly family support to perfectly timed big transfers.
Regular Payments
Schedule weekly or monthly transfers for family support, mortgages or tuition — set it once and never miss a payment.
Learn moreRate Alerts
Tell us your target rate and we will ping you the moment the market gets there — never overpay on timing again.
Learn moreMarket Analysis
Plain-English currency briefings from our dealing desk help you understand where rates are heading this week.
Learn moreSpot Contracts
Need money moving now? Lock today's rate and settle immediately for same-day delivery on major corridors.
Learn moreMoney transfer company key features
Everything a great transfer service has to get right — security, price, pace and access — in one account.
Security that never sleeps
Every transfer is encrypted end to end, screened in real time, and held in segregated accounts with tier-one banks — so your money is protected at every step.
Two-factor login, biometric approval and instant notifications come as standard on every Swiftsettle Pay account, free of charge.
- 256-bit encryption on every payment
- Funds safeguarded with leading banks
- Real-time fraud screening, 24/7
- Biometric login and instant alerts
Honest pricing, no surprises
One small fee shown upfront and a rate linked to the live mid-market — the number you see is the number your recipient gets.
First-time senders pay zero fees on transfers up to £500, and regular senders unlock volume discounts automatically.
- Live rate locked before you pay
- Single upfront fee, from £0.99
- Zero-fee first transfer up to £500
- Automatic discounts for regulars
Speed you can plan around
Four out of five transfers arrive within minutes. Pick Express for same-day payout or bank transfer for next-working-day delivery.
Live tracking shows exactly where your money is, with an honest delivery estimate before you commit a penny.
- 80% of transfers arrive in minutes
- Express same-day payout corridors
- Live step-by-step tracking
- Delivery estimate before you pay
Available wherever you are
Send from the app, the web or over the phone — in English, Spanish, French, Hindi, Arabic and eight more languages.
Recipients can collect by bank, cash pickup or mobile wallet, even if they have never heard of Swiftsettle Pay.
- App, web and phone support
- 13 languages, 24/7 human help
- Bank, cash and mobile payouts
- No account needed for recipients
Being a money transfer service for hard working people
Protecting your money
Trust is earned in layers. Here are the four that guard every Swiftsettle Pay transfer.
01
Safeguarded with leading banks
Client money is held in segregated accounts with tier-one banking partners — never mixed with company funds, and reconciled daily.
02
Extra-secure transactions
Every payment travels over 256-bit encrypted rails with real-time screening, device checks and biometric approval on new payees.
03
Audited regularly
Independent auditors review our books, safeguarding and controls every year, and our licences are published for anyone to verify.
04
Data protection
Your identity documents are encrypted at rest, stored under strict access controls, and never sold or shared for marketing.
Download App
Let's get your free copy from Apple and Play Store
Track transfers live, repeat a payment in two taps, freeze a great rate with alerts, and chat to a human any time of day — all from your pocket.
Free for iPhone and Android
What our senders say
Here is what senders say about sending money with Swiftsettle Pay.
Safe, fast and transparent
A supplier payment that used to take four days now clears the same afternoon. Tracking shows each step, and support answered in minutes at 1am.
Support that actually helps
A rate alert caught a spike overnight and saved me over $200 on one invoice payment. As a freelancer, that is real money back in my pocket.
Frequently asked questions
Quick answers to the questions every new sender asks. See all FAQs
Download the app or sign up on the web with your email address, then verify your identity with a photo ID and a quick selfie. Most accounts are approved within minutes and your first transfer up to £500 carries zero fees.
Choose your destination and delivery method, enter the amount, add or pick your recipient, and pay by debit card or bank transfer. Your rate is locked the moment you confirm, and tracking starts instantly.
Yes. Client funds sit in segregated accounts with tier-one banks, every payment uses 256-bit encryption with real-time fraud screening, and we are independently audited each year.
A government-issued photo ID and proof of address are enough for most senders. Larger transfers may ask for a source-of-funds document — we will tell you exactly what is needed before you pay.
Safeguarded bank accounts, encrypted rails, biometric approvals, instant transfer alerts and 24/7 human fraud monitoring combine to keep every transfer — and your data — protected.