Open Global Accounts

Open domestic and foreign currency accounts easily. Open multi-currency accounts. Start collecting payments from customers in their preferred currency. Everything you need to grow your business and operate internationally.

Get everything you need to bank abroad - including a sort code, IBAN, SWIFT Code, routing number, and more.


Fast Online Payments

World-class online payments which allow your customers to pay in their currency and payment method of choice - anywhere, anytime. Receive multiple currencies without high recipient or conversion fees. Convert or move money or withdraw to external accounts with ease.

Get paid and accept payments for less cost.

Payments Anywhere - Anytime

A complete payments platform, engineered for growth. Accept payments and move money globally. From ecommerce stores, to subscription businesses, to platforms and marketplaces.

Payments for your business, anywhere.


Live Forex Rates

Your Exchange Rate: 0.8473395
ECB Rate: 0.85643
Charges additional to ECB Rate: 1.0614

Competitive FX Pricing

Book currency transactions and manage foreign exchange risk easily. Fast local and international transfer of money between businesses, offices, and more - without involving your bank.

Exchange between up to 6 Pay In currencies to 49 Pay Out currencies instantly. Make payments with the real exchange rate in 49 currencies to up to 180 countries.

Beat the bank's exchange rates and save. Get a quick quote now. Follow these steps:

  1. 1. First select the “From Currency” - click the arrow for currency list
  2. 2. Enter the amount of the Currency you wish to convert from, e.g. USD $1,000.00
  3. 3. Then select the “To Currency” - click the arrow for all 49 Pay Out currencies - select the one you wish to convert to.
  4. 4. The converted amount is automatically displayed for the selected currency.

To apply for a SWiM PAY business account now, click the “Log In” button above. On the Login screen, click on the link "Corporate Onboarding" to commence your application.

Issue Multi-Currency Cards

(Coming Soon)

Pay anywhere, anytime with borderless cards. Issue a debit card in seconds to take anywhere in real-time. Pay expenses online or in-store without foreign transaction fees.

Pay in the local currency to save on FX fees. It's far cheaper than other debit cards.



(Coming Soon)

SWIM Pay Invoicing is a platform built to save you time and issue your own invoices. Create and send a hosted invoice quickly and easily. Collect one-time or recurring payments via card, ACH, and other payment methods.

A faster and better way to accept wire transfers and Direct Debit

Bulk Payments

(Coming Soon)

For payments to suppliers or creditors, SWiM PAY Bulk Payments is a quick and easy transfer solution. Save time and money by managing your cash flow more effectively.

Simplify your global batch payments and pay thousands of vendors and suppliers in their currency of choice. Send Bulk Payments to 180 countries in 50 currencies via multiple payment methods.


Hold & Send Money

You can hold and manage your money in 49 currencies in your global accounts. This lets you avoid exchange rate movements.

You can then use the money in your multi-currency accounts to pay to any of the 180 plus supported countries.


Payment Links

Create a link in SWiM Pay and share it with your customers. Get paid in the currency and payment method of their choice.




Open and manage accounts in multiple currencies. Set up global accounts in real-time to serve the needs of your customers.



SWiM Rewards

Gain Membership to our unique US Dollar Cash Rewards Scheme, allowing you to redeem your rewards as cash in more than 50 currencies.

SWiM Pay Features

  • Global Accounts


    Open and manage accounts in multiple currencies.

  • Fast Online Payments


    Accept multi-modal payments and move money globally.

  • Competitive FX Pricing

    Receive funds or make payments with the real exchange rate.

  • Issue Multi-Currency Cards

    (Coming Soon)

    Issue cards for real-time payments in domestic and international currencies.

  • Invoicing

    (Coming Soon)

    Create and send invoices with your name and logo and payment links.

  • Bulk Payments

    (Coming Soon)

    Pay multiple accounts by just uploading a CSV file. Simple.

  • Hold & Send Money

    Hold money and send it anywhere from your multi-currency accounts.

  • Security

    SWiM Pay uses the latest Reg/Tech security, including AML/KYC, PCI-DSS, PSD2.


Regulatory Notices

  • APAC
  • In the Asia Pacific region, Payment Services for SWiM PAY PTY LTD are provided by NIUM Pte Ltd Registration number 201422465R. Registered address 16 Raffles Quay Hong Leong Bldg, 20-05 Singapore, 048581 Singapore. This does not constitute or form part of an offer, solicitation, or advertisement of Nium Pte. Ltd.'s services to any person outside Singapore.
  • UK
  • SWiM PAY PTY Ltd. The e-money and related payment services are provided by Nium Fintech Limited. Nium Fintech Limited is a company registered in England with company number 09039850, authorised and regulated by the Financial Conduct Authority as an Electronic Money Institution (Firm Reference Number: 901024.)
  • EEA
  • SWiM PAY PTY Ltd. The e-money and related payment services are provided by UAB Nium EU. UAB Nium EU is a company registered in Lithuania with company number 304548794, is authorised as an electronic money institution (Licence No. 14 issued on 29 September 2017 by the Bank of Lithuania).
  • USA
  • SWiM PAY (USA) INCORPORATED is "powered by Nium. Nium's program is sponsored by CFSB to which Nium is a service provider"

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