# Swift-Money > Digital wallet for money transfers, credit access, and credit score building. (iPhone/iPad app by DataServeAI.) - Source: https://appshunter.io/ios/app/swift-money/id6443892373 (this page in markdown: same URL + `.md`) - Developer: [DataServeAI](https://appshunter.io/developer/1595538802) - Category: Finance - Price: Free - Rating: 4.49/5 from 1,471 App Store ratings · 13 written reviews indexed - Age rating: 4+ - Requires: iOS 15.5 · 109 MB - Languages: English - Released: 2022-11-17 - Data updated: 2026-06-10 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/swift-money/id6443892373/reviews.md ## What is Swift? Easy Money Transfers & Access To Credit. Send Money, Receive Money, Access Credit, Pay back Later. Avoid the shame of see finish and never run out of funds with SwiftMoney. SwiftMoney gives you financial freedom-whether you are a business owner,salary earner or an individual, we make sure money is available when you need it and ensure you never have insufficient funds. Our goal is to flag financial inclusion by making sure that everyone who needs money can access it. About this app SwiftMoney caters to all your money needs in one place. It is a digital wallet for easy and fast transfer of money, it also grant easy access to credit when you need it and let’s you build your credit score. **What we offer** **Access Credit:** Get credit ranging from N5000 to N10M with zero-interest when you pay back within the first 30 days and 0.15% daily interest rate after 30 days. Example: If you take a 5,000 Naira credit, if you pay back within 30 days, you do not pay an interest. But, for everyday after 30 days,Swift Money charges 0.15% daily interest rate which is 7.50 Naira for N5,000. SwiftMoney starts giving you credit from a Minimum value and then builds it up depending on how often you take and pay back your credit. You can access Secure Credit simply by dropping a deposit to get up to 20% extra on your deposit Example: You fund your SwiftMoney wallet with 500,000 and you get access to 600,000, if you pay back within 30 days, you do not pay an interest. But, for everyday after 30 days,SwiftMoney charges 0.15% daily interest rate which is 7.50 Naira. SEND MONEY Send money in less than 4 clicks Send money for free to other SwiftMoney users Pay N20 when sending money to users on other banks 20% charge when you’re sending from your credit wallet to other banks RECEIVE MONEY Receive money quickly Get up to N200 when you add or receive N5000 and above in your SwiftMoney Wallet Receive money from other SwiftMoney and other bank users Get money when you need it and be on your way to financial freedom when you download SwiftMoney HOW TO GET STARTED Download SwiftMoney 1. Fill in. your details and Sign up 2. Login with your phone number 3. And enjoy financial freedom ## Key features - Send money instantly - Receive money quickly - Access credit up to N10M - Build credit score - Digital wallet functionality - Zero-interest credit for 30 days ## What do users think of Swift? Overall sentiment: negative **Pros** - 🤩 Great app - 👍 Always ready for you **Cons** - 👎 Doesn't work - ⚠️ Bad app, don't download - 🤯 Can't get past first page - 😡 Account suspended for unknown reasons - 😕 Very confusing app - 🤔 Stuck in the beginning - 😩 No one-time passcode **Commonly reported bugs** - Never sends OTP - Can't create wallet **Most requested features** - Allow easy access to loans - Provide affordable ready cash ## Recent user reviews (10 of 13) All indexed reviews: https://appshunter.io/ios/app/swift-money/id6443892373/reviews.md ### 1/5 — Doesn’t work *2024-08-28* 👎 ### 1/5 — Bad app don’t download waste your time and data won’t even send you otp *2024-03-23* Don’t download bad app ⚠️ ### 1/5 — TERRIBLE *2024-03-23* Can’t even get past the first page. Never sends the OTP ### 1/5 — Review *2024-01-19* Worst app ever my account got suspended for reasons I don’t know about since last year till date I can’t login my account with my money still there ### 5/5 — Great *2023-12-27* Great ### 5/5 — Best *2023-12-26* This is the best ### 1/5 — So confusing app *2023-12-15* This app is very confusing, if you don’t put in saves in their app they will to give you loan. ### 5/5 — They are cool,fast and trustworthy *2023-11-19* Always ready for you ### 1/5 — Stuck in the the beginning *2023-10-26* I would love to use the app! Problem is my friend and I can’t get past the security code that never gets sent! Hope this can be resolved soon ### 1/5 — No One Time Passcode *2023-10-20* I downloaded the app and was told I would get a one time pass code for set up. The app keeps telling me the pass code has been sent via text and it still has not come. I have tried several times. I have deleted and reinstalled the app, and started from scratch. they have another option of some sort of number to call, but it never goes through. How am I supposed to use this app? If I can’t even set it up? Very confusing… ## Frequently asked questions about Swift ### What does Swift-Money do? Swift-Money is a digital wallet that allows for easy and fast money transfers, provides access to credit, and helps users build their credit score. Its goal is to ensure users have funds when they need them and achieve financial freedom. ### How can I access credit with Swift-Money? You can access credit ranging from N5,000 to N10M. There is zero-interest if you pay back within the first 30 days. After 30 days, a daily interest rate of 0.15% applies. You can also get up to 20% extra on your deposit by providing it as security. ### What are the costs associated with sending money? Sending money to other Swift-Money users is free. Sending money to users on other banks incurs a fee of N20. If you are sending money from your credit wallet to other banks, there is a 20% charge. ### How do I get started with Swift-Money? To get started, download Swift-Money, fill in your details and sign up, then log in with your phone number. Once logged in, you can begin using its financial services. ### What are the benefits of receiving money on Swift-Money? You can receive money quickly from other Swift-Money and other bank users. Additionally, you can get up to N200 when you add or receive N5,000 and above in your Swift-Money Wallet. ## Version history (last 5 releases) ### 5.3 — 2025-06-24 Bug fixes and improvements ### 5.1 — 2023-11-01 - More features to help you repay your credit faster. - Bug fixes and performance improvement. ### 5.0 — 2023-10-12 We are introducing some exciting new features in this version. - Minimum Credit Repayment: - Before your repayment period ends, simply pay the Minimum Repayment Amount (MRA) of your existing credit to extend your repayment period by an extra 30 days. - Made the onboarding flow more intuitive - We have improved the overall experience explaining how you can have access to credit. - Provided more options to help improve your credit repayment - Updated the KYC flow to provide real time updates - Included a guided experience to explain the credit request flow Expect more exciting features in the coming week. ### 4.9 — 2023-09-29 - Introducing SwiftMoney Signature. - We made sure to squash some bugs and improve the overall app performance. ### 4.8 — 2023-09-08 In this new version, - We revamped Swifty Points and gave it an exciting new feel. From your profile page, you can now explore the amazing new features of Swifty Points, view the leaderboards and even share fun cards with friends. - Revamped the transaction status feature where you can now monitor the status of all transactions. We also gave your transaction receipts a brand new look. - Improved the overall user experience for discounts - We also made sure to squash some bugs and improve the overall performance of the app. ## Apps similar to Swift | App | Rating | Price | Category | | --- | --- | --- | --- | | [PayPal - Pay, Send, Save](https://appshunter.io/ios/app/paypal-pay-send-save/id283646709) | 4.8 (6,299,362) | Free | Finance | | [FairMoney: Loan App In Nigeria](https://appshunter.io/ios/app/fairmoney-loan-app-in-nigeria/id6456485223) | 4.6 (13,732) | Free | Finance | | [B9: Cash Advance](https://appshunter.io/ios/app/b9-cash-advance/id1552004842) | 4.5 (15,435) | Free | Finance | | [Dave: Credit, Cash & Money App](https://appshunter.io/ios/app/dave-credit-cash-and-money-app/id1193801909) | 4.8 (835,567) | Free | Finance | | [CashNow-Safe Loan App](https://appshunter.io/ios/app/cashnow-safe-loan-app/id1584115206) | 4.4 (31) | Free | Finance | | [Possible: Fast Cash & Credit](https://appshunter.io/ios/app/possible-fast-cash-and-credit/id1380384597) | 4.8 (130,346) | Free | Finance | ## More apps by DataServeAI - [Sabi - Bookkeeping & Receipts](https://appshunter.io/ios/app/sabi-bookkeeping-and-receipts/id1595538800) - [SwiftMoney Business](https://appshunter.io/ios/app/swiftmoney-business/id1604786000) - [Swift Receipt](https://appshunter.io/ios/app/swift-receipt/id6446998340) All apps by DataServeAI: https://appshunter.io/developer/1595538802 --- *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.*