Fees, Supported Currencies and Processing Times

Swapin is a lightning-fast Web3 payments solution facilitating seamless transactions between crypto and fiat. Whether you're making a personal payment, sending money to loved ones, or settling any bill, Swapin ensures quick crypto-to-fiat transfers in mere minutes.

The fees associated with your transaction include the Swapin crypto-to-crypto transfer fee, a bank transfer fee, and the crypto-to-fiat exchange rate. The total fee is influenced by the transaction amount and the specific Swapin product you're utilizing.

General fees

Open a personal account	Free
Open a business account	Free
Account maintenance	Free
Minimum transaction amount	5 EUR
Maximum transaction amount	Unlimited, but a limit may still apply based on the customer’s provided financial information.
Refund fee	50 EUR

Transaction fees

SwapinBuy

Buy crypto directly from your bank account.

SwapinBuy fees apply for both personal and business accounts.

Transaction volume	Swapin Fee	Network fee	Fiat to crypto exchange rate
From 5 € to 15 000 €	1.35%, min. 2.95 €	Based on network, fixed	Floating
Over 15 000 € to 30 000 €	1.1%, min. 2.95 €	Based on network, fixed	Floating
Over 30 000 € to unlimited	0.8%, min. 2.95 €	Based on network, fixed	Floating

SwapinGet

Sell crypto and get fiat to your bank account.

SwapinGet fees apply for both personal and business accounts.

Transaction volume	Swapin Fee	Bank transfer fee	Minimum fee	Crypto to fiat exchange rate
5 EUR minimum*	0.8%	0.2%	2.95 €	Floating

* If a payment is less than 5€, it may appear as successful on the blockchain during the transaction. However, in our system, the payment will never appear and will not be visible in your transaction history.

SwapinPay

Pay with crypto and the recipient will get fiat.

SwapinPay fees apply for both personal and business accounts.

Transaction volume	Swapin Fee	Bank transfer fee	Crypto to fiat exchange rate	Minimum fee
From 5 € to 15 000 €	1.35%	0.4%	Fixed for 30 mins	2.95 €
Over 15 000 €	1.1%	0.4%	Fixed for 30 mins	2.95 €
Over 30 000 € to unlimited	0.8%	0.4%	Fixed for 30 mins	2.95

SwapinCollect

Accept crypto as a business and get fiat in your bank account.

SwapinCollect fees apply to a payer, an end customer, who pays a merchant’s invoice.

Transaction volume	Swapin Fee	Bank transfer fee	Minimum fee	Crypto to fiat exchange rate
From 5 € to 15 000 €	1.35%	0.4%	2.95 €	Fixed for 30 mins
Over 15 000 € to 30 000 €	1.1%	0.4%	2.95 €	Fixed for 30 mins
Over 30 000 € to unlimited	0.8%	0.4%	2.95 €	Fixed for 30 mins

Supported currencies

	SwapinGet, SwapinPay	SwapinBuy
Fiat	EUR, GBP	EUR
Crypto	Bitcoin, Ethereum, Litecoin, Bitcoin Cash, Dash, TRX, USDC, USDT, Dai, BNB	Bitcoin, Ethereum, USDC, USDT

Payment processing times

95% of Swapin crypto-to-fiat transactions are processed in 5 mins or less. However, national bank holidays and weekends might affect the waiting times for non-instant SEPA bank transfers.

Crypto transfer to Swapin	5 mins
Instant SEPA Bank Transfer	5 mins
SEPA Bank Transfer	1 business day**

**National bank holidays and weekends might affect the waiting times

Visit the European Central Bank page to see the interactive map of countries in the Single Euro Payments Area (SEPA).

You can check any IBAN for Instant SEPA support (SCT-inst) on this page.

As stated in our Terms of Service we may ask you for additional details about your transactions to comply with AML regulations. Fees for non-EEA clients will be calculated based on the use case.