International escrow money transfers - is an alternative way to send funds around the globe. They work as cross-transfers between individuals through the network of SWAPY secure escrow accounts. You can learn more about escrow transfers in our Blog.

SWAPY is an international fintech company that develops an alternative system for international money transfers. This system is based on cross-transfers between SWAPY users through the network of our secure escrow accounts. SWAPY acts as an escrow agent and solves all issues with paperwork, guarantees the execution of transfers, and provides secure deposit accounts for transactions.

SWAPY has one of the most transparent transaction tracking systems on the market. Through your personal account, you can track the status of your transfer in real time. The system will automatically notify you of any changes in the transfer status. Our escrow managers will always answer any of your questions online. You can read more about all stages of funds transfer in this Article.

You can transfer any amount of money. There is no limit on the amount or number of transfers in our system.

We have no hidden commissions or other additional payments, the only fee is 3% of the transfer amount, but not less than 30 euros. Moreover, this price includes all paperwork, insurance of transfers, provision of secure escrow accounts, as well as a personal escrow manager.

We do not charge any conversion fee, that is why we use the most favourable for our clients exchange rate published daily by the Central Bank.

All transfers in the SWAPY system occur under the Mutual agreement between users and the Agreement on the provision of escrow services. These documents are generated automatically after the request for transfer of funds is accepted. You can review these documents before signing them in the appendices to the Rules and Conditions.

Any individual, regardless of citizenship and tax residence, who meets the following conditions: 1. The user must be of legal age at the time of signing registration at SWAPY. 2. The user must be legally capable and accept the terms of the Rules and Conditions and the Privacy Policy. 3. The user must have a valid email address, mobile number and contact information. 4. The user must undergo personal data verification with SWAPY based on the identity documents.

SWAPY provides official services of international escrow money transfers on the basis of contractual relations with its users. Identification of users is obligatory for processing documents and helps to ensure the security of transactions and to guarantee a refund in case of cancellation of the transfer.

The transfer execution period is 1-2 business days from the moment your funds are credited to the escrow account.

We use escrow accounts to guarantee the security of transfers between our users. To execute a transfer, each party sends money to the SWAPY escrow agent's account. Only after both payments have been credited to the escrow account SWAPY will make the final transaction to the specified bank account of the recipient. In case one of the parties refuses to continue the transfer, then SWAPY will return 100% of the funds to the sender, including the service commission.This way our system guarantees safety of your funds.

SWAPY provides official services of international escrow money transfers on the basis of contractual relations with its users. Identification of users is obligatory for processing documents and helps to ensure the security of transactions and to guarantee a refund in case of cancellation of the transfer. We use escrow accounts to guarantee the security of transfers between our users. To execute a transfer, each party sends money to the SWAPY escrow agent's account. Only after both payments have been credited to the escrow account SWAPY will make the final transaction to the specified bank account of the recipient. In case one of the parties refuses to continue the transfer, then SWAPY will return 100% of the funds to the sender, including the service commission.This way our system guarantees safety of your funds.

You can create a New transfer request by specifying the required amount, country of origin and destination. For assistance in creating a new transfer to your own account, please use this Instruction. If you want to send funds to another user's account, then check out this Article. In addition, you can find and accept a suitable transfer request in the “Quick transfer” section. Read more about what Quick transfer is in our Blog.

If you did not find a request for transfer to a suitable EU country in the search results, then you can: 1. Select in the search filter: “All EU countries” and repeat the search; 2. From the proposed results, select a transfer request that meets your amount criteria, regardless of the EU country indicated in it; 3. You will receive fund in the country and to the bank account that you shall indicate on the next page; This is possible due to the fact that all transfers between EU countries are carried out according to the rules of domestic SEPA transfers. You can read more about this here.

Yes, you can. Simply add in the SWAPY app the IBAN number, which corresponds to your debit or credit card, Revolut or Wise account, that you would like to top up. With Swapy you can easily make a transfer to any account using the IBAN number.

SWAPY is a simple and intuitive way to transfer money from Europe around the globe. Simply add in the SWAPY app the recipient’s bank account number.

SWAPY provides escrow money transfer services only to individuals. There are no corporate accounts at SWAPY. You can not send or receive funds from a company. Therefore, all funds incorrectly credited to SWAPY accounts from companies and legal entities shall be returned to the sender account. All incurred expenses related to the refund will be deducted from the returned amount.

Yes, you can transfer funds to another person. Your recipient also needs to be registered at SWAPY and has a verified account. To make such a transfer, please read this Article.

In order to receive an international transfer through SWAPY, you and your sender need to have a verified SWAPY account. When creating a transfer request, your sender needs to indicate your e-mail address that you have used to register with SWAPY. You shall receive money within 1-2 business days after the funds of your sender are credited to the SWAPY escrow account. Read more about receiving money transfers in our Blog.