Send money from your credit card to any bank account in seconds. Flat 0.85% fee, no hidden charges, settled 24/7.
Transfers above ₹1,00,000 qualify for a reduced 0.65% fee.
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No paperwork, no waiting. Enter an amount, add the recipient, tap your card — done.
Type how much you want to send. We show the exact 0.85% fee and the net amount the recipient gets before you commit.
Pick a country and paste the IFSC / IBAN / routing number. We verify the bank, branch and account length live.
Enter your RuPay, Visa, Mastercard or Amex. We authorise, clear over IMPS and settle to the bank in seconds.
Money lands in the destination account in seconds over the 24/7 IMPS rail.
Start typing your card and we instantly detect RuPay, Visa, Mastercard, Amex, Discover and more — with a live 3D card preview and Luhn validation.
India IFSC, UK sort codes, US ABA, SEPA & UAE IBAN — validated in real time.
PCI-DSS scope, 256-bit TLS and tokenised card handling. We never store raw card data.
Flat, transparent fee. No monthly charges, no surprises.
Chat, WhatsApp or call — every day of the year, including holidays.
Every transfer gets a reference ID and a downloadable receipt for your records.
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.
Enter an amount, add the account, tap your card. Done before your coffee cools.
India, UK, US, Europe, UAE and beyond — 45+ countries with live account checks.
PCI-DSS scope, tokenised cards and 256-bit encryption on every transfer.
Split rent with flatmates or pay a landlord who only takes bank transfers.
Pay suppliers and freelancers directly to their account from your card.
Top up a trading, mutual-fund or savings account instantly.
"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।"
"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।"
"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।"
"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।"
"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।"
"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।"
"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।"
"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।"
"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।"
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.
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.
RuPay, Visa, Mastercard, American Express, Discover, Diners Club and JCB. We detect the network automatically as you type.
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.
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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