> For the complete documentation index, see [llms.txt](https://swapin.gitbook.io/swapin-help/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://swapin.gitbook.io/swapin-help/about-swapin/fees-supported-currencies-and-processing-times.md).
# 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](https://www.ecb.europa.eu/paym/integration/retail/sepa/html/index.en.html) 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](https://www.iban.com/iban-checker).
As stated in our [Terms of Service](https://app.swapin.com/terms) 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.
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