Live rail active · avg settlement 1.4s

Send money from your card to any bank account from 0.85%.

Send money from your credit card to any bank account in seconds. Flat 0.85% fee, no hidden charges, settled 24/7.

PCI-DSS & 256-bit SSL
Works with 45+ countries
24/7 · 365 days
Customer Customer Customer Customer 47k+
★★★★★ 4.9/5 from 12,000+ reviews
Trusted by 47,000+ people worldwide

Transfer calculator

Flat 0.85%
You send
₹
Transfer amount₹25,000
Platform fee (0.85%)₹212.50
Recipient receives₹24,787.50

Transfers above ₹1,00,000 qualify for a reduced 0.65% fee.

Continue

Card networks & partners we settle through

VISA mastercard RuPay AMEX NPCI Razorpay Cashfree
How it works

Three steps. Under a minute.

No paperwork, no waiting. Enter an amount, add the recipient, tap your card — done.

1

Enter the amount

Type how much you want to send. We show the exact 0.85% fee and the net amount the recipient gets before you commit.

2

Add the bank account

Pick a country and paste the IFSC / IBAN / routing number. We verify the bank, branch and account length live.

3

Pay with your card

Enter your RuPay, Visa, Mastercard or Amex. We authorise, clear over IMPS and settle to the bank in seconds.

Why Swipepy

Built to feel effortless, engineered to be safe.

Instant settlement

Money lands in the destination account in seconds over the 24/7 IMPS rail.

Every card network, recognised on the spot

Start typing your card and we instantly detect RuPay, Visa, Mastercard, Amex, Discover and more — with a live 3D card preview and Luhn validation.

Worldwide reach

India IFSC, UK sort codes, US ABA, SEPA & UAE IBAN — validated in real time.

Bank-grade security

PCI-DSS scope, 256-bit TLS and tokenised card handling. We never store raw card data.

0.85%

Flat, transparent fee. No monthly charges, no surprises.

Real humans, 24/7

Chat, WhatsApp or call — every day of the year, including holidays.

Instant receipts

Every transfer gets a reference ID and a downloadable receipt for your records.

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₹ Crore+ settled
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Thousand customers
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Success rate
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Countries supported
Money, simplified

Money that moves at the speed of your life.

From splitting rent to paying a supplier across the world, Swipepy turns your card balance into a bank transfer in seconds — no queues, no paperwork, no waiting for banking hours.

Send in seconds

Enter an amount, add the account, tap your card. Done before your coffee cools.

Anywhere on earth

India, UK, US, Europe, UAE and beyond — 45+ countries with live account checks.

Safe by design

PCI-DSS scope, tokenised cards and 256-bit encryption on every transfer.

Send money now
Customer sending money with Swipepy
Transfer complete₹25,000 sent
Settled in1.4 seconds
Made for

Whatever you need the cash for.

Rent & bills

Split rent with flatmates or pay a landlord who only takes bank transfers.

Vendor payments

Pay suppliers and freelancers directly to their account from your card.

Fund investments

Top up a trading, mutual-fund or savings account instantly.

Customers

People move real money with Swipepy every day.

★★★★★

"I had to pay a client's advance on a Sunday night. The money hit her account before I even got off the call — faster than my own bank's app, no joke."

"मुझे रविवार रात एक क्लाइंट को एडवांस पेमेंट करनी थी। कॉल खत्म होने से पहले ही पैसा उसके अकाउंट में पहुंच गया — मेरे अपने बैंक के ऐप से भी तेज़, सच में।"

RM
Rohan MehtaFreelance Video Editor, Mumbai
★★★★★

"I pay my shop's rent through Swipepy every month. The fee is exactly what they say — 0.85%, no hidden charges. The receipt makes bookkeeping easy too."

"मैं हर महीने अपनी दुकान का किराया Swipepy से भरती हूं। फीस बिल्कुल वही है जो बताई गई थी — 0.85%, कोई छुपा हुआ चार्ज नहीं। रसीद भी तुरंत मिल जाती है।"

PS
Priya SharmaBoutique Owner, Delhi
★★★★★

"Sent an IMPS payout to a supplier in Kochi at 11pm — landed in under two seconds. The RuPay card detection with the 3D preview is a nice touch too."

"रात 11 बजे कोच्चि के एक सप्लायर को IMPS से पेमेंट भेजी — दो सेकंड से भी कम समय में पहुंच गई। RuPay कार्ड डिटेक्शन के साथ 3D प्रीव्यू भी एक बढ़िया फीचर है।"

AN
Arjun NairSoftware Engineer, Bengaluru
★★★★★

"Sending payments to clients has become really easy now. With IFSC verification, there's no worry about money going to the wrong account."

"क्लाइंट्स को पेमेंट भेजना अब बहुत आसान हो गया है। IFSC वेरिफिकेशन की वजह से गलत अकाउंट में पैसा जाने का डर नहीं रहता।"

AI
Ananya IyerChartered Accountant, Chennai
★★★★★

"I run a small textile export business. Paying five vendors used to take a whole afternoon at the bank. Now I do it from my phone between meetings."

"मेरा एक छोटा टेक्सटाइल एक्सपोर्ट बिज़नेस है। पहले पांच वेंडर्स को पेमेंट करने में पूरी दोपहर बैंक में लग जाती थी। अब मैं मीटिंग्स के बीच अपने फोन से ही कर लेता हूं।"

VS
Vikram SinghTextile Exporter, Jaipur
★★★★★

"I had to send my college fee money from my parents' account to my landlord. As soon as I put in my card on Swipepy, the money reached in seconds."

"कॉलेज की फीस पेरेंट्स के अकाउंट से मेरे लैंडलॉर्ड को भेजनी थी। Swipepy पर कार्ड डालते ही पैसा कुछ ही सेकंड में पहुंच गया।"

SR
Sneha ReddyStudent, Hyderabad
★★★★★

"Our bank balance was zero that week. I put in my husband's credit card and paid the hospital straight from it — money reached the hospital's account in seconds, no need to touch our savings."

"उस हफ्ते हमारे बैंक अकाउंट में पैसे नहीं थे। मैंने पति के क्रेडिट कार्ड से सीधे अस्पताल को पेमेंट कर दी — पैसा कुछ ही सेकंड में अस्पताल के अकाउंट में पहुंच गया, सेविंग्स को हाथ भी नहीं लगाना पड़ा।"

MJ
Meera JoshiHomemaker, Pune
★★★★★

"Diwali night, 2am, needed to send money urgently to a relative's bank account. Every other app I tried was down for 'maintenance'. Swipepy just worked — no bank holidays, no cut-off time, any time of day."

"दिवाली की रात 2 बजे एक रिश्तेदार के बैंक अकाउंट में पैसे भेजने थे। बाकी सारे ऐप्स 'मेंटेनेंस' पर बंद थे। Swipepy ने बिना किसी रुकावट के काम कर दिया — न बैंक हॉलिडे, न कोई टाइम लिमिट, कभी भी।"

KR
Karthik RaoMarketing Manager, Ahmedabad
★★★★★

"I use my credit card's limit to pay contractors before client payments land, then clear the card bill later. Swipepy turns my card into instant working capital — genuinely changed how I manage cash flow."

"क्लाइंट का पेमेंट आने से पहले मैं क्रेडिट कार्ड की लिमिट से कॉन्ट्रैक्टर्स को पेमेंट कर देती हूं, बाद में कार्ड बिल भर देती हूं। Swipepy मेरे कार्ड को तुरंत वर्किंग कैपिटल बना देता है — कैश फ्लो मैनेज करना सच में आसान हो गया।"

DK
Divya KapoorInterior Designer, Chandigarh
Questions

Everything you might be wondering.

How fast does the money actually arrive?

Most transfers settle in under two seconds over the IMPS rail. International transfers over SEPA or ACH can take a few hours depending on the destination bank's cut-off times.

What is the fee?

A flat 0.85% of the transfer amount. Transfers above ₹1,00,000 drop to 0.65%. There are no monthly fees, setup fees, or hidden charges.

Which cards can I use?

RuPay, Visa, Mastercard, American Express, Discover, Diners Club and JCB. We detect the network automatically as you type.

Is my card information safe?

Yes. We operate within PCI-DSS scope, use 256-bit TLS everywhere, and tokenise card details — raw card numbers are never stored on our servers.

Which countries do you support?

India (IFSC), the UK (sort code), the US (ABA routing), the EU & UAE (IBAN), Singapore, Australia and Canada, with more added regularly.

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