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 utilising.
General fees
Open a personal account | Free |
Open a business account | Free |
Account maintenance | Free |
Minimum transaction amount | 5 EUR |
Maximum transaction amount | Limits are set based on the 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 € | 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 not be processed and will not be visible in your transaction history.
Transactions below the minimum amount will fail to process, even if the coins appear sent on the blockchain. Always check that your transfers meet the minimum requirement (e.g., 5 EUR or equivalent) to avoid issues.
SwapinPay
Pay with crypto and the recipient will get fiat.
SwapinPay fees apply to 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 € | 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 € | 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, BNB | Bitcoin, Ethereum, USDC |
Payment processing times
95% of Swapin crypto-to-fiat transactions are processed in 5 minutes 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. Additionally, delays might result from mandatory legal and regulatory verifications, designed to ensure financial security and prevent unauthorised transactions.
If you notice a delay in your transaction, check your transaction history on Swapin to ensure that all required documents and information have been submitted. Stay patient while compliance processes are finalised, as these steps are crucial for maintaining security and adherence to regulations. If the transaction remains pending beyond the expected timeframe, reach out to Swapin’s support team for further clarification.
Visit the European Central Bank page to see the interactive map of countries in the Single Euro Payments Area (SEPA).
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. Transactions linked to restricted or forbidden countries will also not be processed.
Common Transaction Issues and Troubleshooting
Steps to Ensure Smooth Transactions
Verify that your transfer amount meets the required minimum thresholds (e.g., 5 EUR or equivalent).
Ensure that the transaction complies with compliance and regulatory policies, especially when transferring funds to or from restricted countries.
Double-check all transaction details, including wallet addresses, before confirming a transfer.
Contact Support for Additional Assistance
If your transaction has been stopped or cancelled and you are unsure about the reason, please reach out to Swapin Support for further clarification and assistance.