# Swell Money

> Integrated digital bank account and line of credit for debt management. (iPhone/iPad app by Swell Financial, Inc..)

- Source: https://appshunter.io/ios/app/swell-money/id1607375431 (this page in markdown: same URL + `.md`)
- Developer: [Swell Financial, Inc.](https://appshunter.io/developer/1607375433)
- Category: Finance
- Price: Free
- Rating: 4.90/5 from 16 App Store ratings · 1 written reviews indexed
- Age rating: 4+
- Requires: iOS 13.0 · 37 MB
- Languages: English
- Released: 2022-07-31
- Data updated: 2026-06-10
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/swell-money/id1607375431/reviews.md

## What is Swell Money?

The Swell app brings together Swell Cash℠ and Swell Credit℠, the first integrated deposit account and line of credit built to help you tackle your debt.
 
Swell Cash(*)
A digital bank account with convenient features –
·   	instant access to funds from Swell Credit
·   	fee-free ATM withdrawals at over 45,000 U.S. locations(2)
·   	get your paycheck up to two days early(3)
·   	a free Swell Debit Mastercard®(4)

Swell Credit(*)(5)
A personal line of credit, not another credit card.  No balance transfer fee!  Pay down higher rate credit card balances and cover unexpected expenses with a Swell Credit cash advance.  Your Swell Credit account is there when you need it.  Just borrow what you need, when you need it, and repay over time.  You pay interest only on what you borrow.  Use the Swell app to move money back
and forth between your Swell Cash and Swell Credit accounts.  No separate card is required!
 
* Swell Financial, Inc. is a technology company, not a bank. Banking services and line of credit services are provided by Central Pacific Bank, Member FDIC. Swell Credit is a personal line of credit, not a credit card. To qualify to open a Swell Credit account, you must be approved for and open a Swell Cash deposit account. Qualifications to open Swell Cash and Swell Credit accounts are set by Central Pacific Bank. Swell Cash and Swell Credit are not available in all states. Visit www.swellmoney.com/qualifications for more details about state availability and account eligibility. The Swell Cash deposit account product, for which Central Pacific Bank is the depository, is FDIC-insured for deposits up to $250,000 per depositor.  Swell Cash has a $12 monthly account service fee that can be avoided by meeting monthly debit card purchase transactions.  Visit www.swellmoney.com/fee-schedule to review the Swell Cash Deposit Account Fee Schedule.  As of March 2023, Swell Credit has credit limits from $1,000 to $10,000 (with $8,000 the max limit for certain channels) and APRs ranging from 7.99% to 23.99%. Rates and line amounts are set by Central Pacific Bank, and no particular APR or credit limit are guaranteed.  Credit approval is required. For more details, see www.swellmoney.com/qualifications.
 
(1)  Transferring credit card balances to a Swell Credit account may not reduce your overall interest charges or results in faster paydown if the APR on your transferred credit card balances is lower than your Swell Credit APR, if the credit card minimum payment amount is higher than the Swell Credit minimum payment amount, or if you typically make more than the minimum payment on your existing card balances.

(2)  ATM transactions with the Allpoint network are “in-network” for Swell Cash deposit account customers. Out-of-network ATM transactions are $2.50; out-of-network ATM operators may charge fees. Other fees such as third-party and cash deposit fees may apply. Visit www.swellmoney.com/fee-schedule to review the Swell Cash Deposit Account Fee Schedule.  To find an in-network Allpoint ATM, visit www.allpointnetwork.com/locator.html.

(3)  Early paycheck depends on the timing of the payer's submission of the payment file. Funds are generally made available on the day the payment file is received, which may be up to 2 days earlier than the scheduled pay date.

(4)  The Swell Debit Mastercard® is issued by Central Pacific Bank pursuant to a license from Mastercard and may be used everywhere Mastercard debit cards are accepted.
 
(5)  Swell Credit requires monthly minimum deposits to your Swell Cash account of at least $500.00. For any billing cycle for which you do not meet the monthly minimum deposit of at least $500.00, a Penalty APR of 23.99% may apply. Other events may trigger the penalty APR. For more details, review your Swell Credit account opening disclosures and the Swell Credit Account terms and Conditions, www.swellmoney.com/swell-credit-terms.

## Key features

- Integrated deposit account and line of credit
- Early paycheck access
- Fee-free ATM withdrawals
- No balance transfer fee
- Borrow and repay over time
- Move money between accounts

## Recent user reviews (1 of 1)

All indexed reviews: https://appshunter.io/ios/app/swell-money/id1607375431/reviews.md

### 5/5 — GOOD BANK

*2023-06-17*

I enjoyed my membership with them but you need an activation code to sign up and this has been for over a year. I hope they do better

## Frequently asked questions about Swell Money

### What is Swell Money?

Swell Money offers an integrated digital bank account (Swell Cash) and a personal line of credit (Swell Credit) designed to help users manage debt and unexpected expenses. Banking services are provided by Central Pacific Bank, Member FDIC.

### How does Swell Money help with debt?

Swell Credit allows you to pay down higher-rate credit card balances and cover expenses with a cash advance, offering a line of credit instead of a credit card. You pay interest only on what you borrow.

### What are the fees associated with Swell Money?

Swell Cash has a $12 monthly account service fee that can be avoided by meeting monthly debit card purchase transaction requirements. Fee-free ATM withdrawals are available at over 45,000 U.S. locations through the Allpoint network.

### What are the credit limits and APRs for Swell Credit?

As of March 2023, Swell Credit offers credit limits from $1,000 to $10,000 with APRs ranging from 7.99% to 23.99%. These rates and limits are set by Central Pacific Bank and are subject to credit approval.

### Is Swell Money available in all states?

Swell Cash and Swell Credit are not available in all states. Eligibility and state availability details can be found on the Swell Money website.

### How secure is Swell Money?

Swell Cash deposit accounts are FDIC-insured for deposits up to $250,000 per depositor, provided by Central Pacific Bank. The app facilitates secure transactions between your Swell Cash and Swell Credit accounts.

### What devices does Swell Money support?

Swell Money is available on iPhone, iPad, and iPod devices, indicated by its support for iOS platforms.

### How often is Swell Money updated?

The app was last updated on May 19, 2023, with version 1.2.0, suggesting regular updates to maintain functionality and security.

## Version history (last 5 releases)

### 1.2.0 — 2023-05-19

New in Swell Mobile v1.2.0:
User experience enhancements

### 1.1.9 — 2023-05-01

New in Swell Mobile v1.1.9:
User experience enhancements
You can now easily track your progress towards 15 monthly transactions and $500 in monthly deposits

### 1.1.8 — 2023-04-18

New in Swell Mobile v1.1.8:
We’ve made it easier for users without an invitation code to apply.

### 1.1.7 — 2023-04-08

New in Swell Mobile v1.1.7:
 - User experience enhancements
 - The same credit card can now be paid down multiple times

### 1.1.6 — 2023-03-24

New in Swell Mobile v1.1.6:

User experience enhancements

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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.*