# Swadesh Money — Swadesh: U.S. banking for NRIs

> Digital U.S. banking for NRIs with zero-balance accounts and low transfer fees. (iPhone/iPad app by Swadesh Digital Private Limited.)

- Source: https://appshunter.io/ios/app/swadesh-money/id1603825767 (this page in markdown: same URL + `.md`)
- Developer: [Swadesh Digital Private Limited](https://appshunter.io/developer/1603825769)
- Category: Finance
- Price: Free
- Rating: 5.00/5 from 5 App Store ratings · 1 written reviews indexed
- Age rating: 17+
- Requires: iOS 14.0 · 80 MB
- Languages: English
- Released: 2022-07-06
- Data updated: 2026-06-10
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/swadesh-money/id1603825767/reviews.md

## What is Swadesh Money?

Open a zero-balance U.S. account in 3 minutes using just your passport and visa, and enjoy seamless cross-border transfers & secure U.S. banking! Receive a FREE US SIM card and a virtual VISA debit card to start transacting instantly when you sign up.

Deposits are insured for up to $250,000 and held in partnership with Evolve Bank & Trust.

Swadesh is a financial technology company, not a bank. Banking services provided by SolidFi in partnership with Evolve Bank and Trust, N.A; Members FDIC

WHY SWADESH?

OPEN U.S. BANK ACCOUNT IN 3 MINUTES

Say goodbye to paperwork with a 100% digital and onboarding process! We only ask for the information we need, and our KYC is automated. In 3 minutes, get access to a full-featured, zero-balance account for U.S. banking.

INSTANT VIRTUAL CARD FOR CONTACTLESS PAYMENTS

Receive a Swadesh/VISA virtual debit card instantly with your U.S. bank account, ready to use immediately for online & contactless payments at all participating U.S. retailers! Use your virtual card for important online purchases even before you land in the U.S., and enable single-tap contactless payments on the card after you have landed in the U.S.

CUSTOM PHYSICAL DEBIT CARDS

Stand out with your Swadesh card. Choose from an assortment of 5 gemstone colors when you’re ordering your premium Swadesh/VISA debit card. We’ll ship it over for free to your U.S. mailing address in 3-5 business days.

ZERO MONTHLY FEES

Enjoy no minimum balance, monthly account or maintenance fees associated with your Swadesh account! Also, get ATM withdrawal fees waived at 37,000+ in-network ATMs all over the United States.

COMPETITIVE WIRE TRANSFER FEES

Our domestic and international wire transfer fees are some of the lowest in the biz.

While the big banks charge $15-$35 for domestic wires, we charge only $1 for incoming domestic wires and $5 for outgoing domestic wires. 

For international wires, we charge $20 for both incoming and outgoing wire transfers, while banks can charge as much as $50 for the same facility.

SECURITY FEATURES

Rely on military-grade 256-bit encryption, mPIN/biometric-enabled access for login & key features, and full-fledged card controls to bank securely on the Swadesh app. Swadesh is powered by a state-of-the-art, proprietary fraud detection system that flags atypical transactions & keeps you banking safely.

Your card information is stored in accordance with PCI-DSS standards, and your sensitive financial data is stored directly by our banking partner and ephemerally by Swadesh.

24/7 BESPOKE SUPPORT

For 24/7 support, please e-mail us at help@swadesh.co or get in touch with a human via WhatsApp at: +1 (917) 813-0082 (U.S.)

SWADESH CLUB

Kickstart your American network with Swadesh Club. Swadesh Club is our desi network of students and early-career professionals based in the United States. All Swadesh users are provided exclusive access to Swadesh Club, and our team of mentors who are volunteering their time to advise students & newly minted expats on academics, career, and life in the U.S.!

Swadesh is constantly building bespoke features to provide you with the best banking experience possible. Watch this space for updates on debit cards with credit scoring, new Indian-inspired card designs, card limits, automatic payments for recurring bills, and more!

## Key features

- Open U.S. bank account in 3 minutes
- Zero-balance account
- Virtual VISA debit card
- Free U.S. SIM card
- Competitive wire transfer fees
- 256-bit encryption security
- 24/7 customer support

## Recent user reviews (1 of 1)

All indexed reviews: https://appshunter.io/ios/app/swadesh-money/id1603825767/reviews.md

### 5/5 — Swadesh is really helpful

*2022-07-06, version 1.0.1+13*

This has been the best experience I have had with a banking app. The UI is very clear and easy to understand and the customer service is amazing. Highly recommend!!

## Frequently asked questions about Swadesh Money

### How quickly can I open a U.S. bank account with Swadesh Money?

You can open a zero-balance U.S. account in just 3 minutes using your passport and visa. The onboarding process is 100% digital and automated for quick KYC.

### What are the fees associated with a Swadesh Money account?

Swadesh Money offers a zero-balance account with no monthly or maintenance fees. Incoming domestic wires are $1, outgoing domestic wires are $5, and both incoming and outgoing international wires are $20.

### Does Swadesh Money offer a physical debit card?

Yes, you can order a custom physical VISA debit card in one of 5 gemstone colors. It will be shipped to your U.S. mailing address within 3-5 business days.

### How secure is Swadesh Money?

Swadesh Money uses military-grade 256-bit encryption, mPIN/biometric-enabled access, and a proprietary fraud detection system for secure banking. Card information is stored according to PCI-DSS standards.

### What devices does Swadesh Money support?

Swadesh Money is available on iPhone and iPod devices. The app is rated for users aged 17 and older.

### When was Swadesh Money last updated?

The latest version of Swadesh Money, 1.6.1, was last updated on August 8, 2023. The app was first released on July 6, 2022.

### What kind of support does Swadesh Money provide?

Swadesh Money offers 24/7 support via email at help@swadesh.co or through WhatsApp at +1 (917) 813-0082 (U.S.).

### Are my deposits insured with Swadesh Money?

Yes, deposits are insured for up to $250,000 and are held in partnership with Evolve Bank & Trust, N.A., Members FDIC.

## Version history (last 4 releases)

### 1.6.1 — 2023-08-08

This update brings a host of improvements, and bug fixes to enhance your user experience. As always, your feedback is invaluable to us. If you encounter any issues or have suggestions for future updates, please don't hesitate to reach out to our support team at dev@swadesh.co

### 1.6.0 — 2023-08-03

Squashed bugs to ensure a smooth experience!

### 1.5.0 — 2023-07-05

Bug fixes and performance enhancements.

### 1.4.0 — 2022-11-28

* Ticket creation made easy
* Minor bug fixes

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-10.*