Home | WeSwap (2024)

Tenerife? New York? Bangkok? Wherever you’re off to, your WeSwap card can be used instantly in over 180 countries. Anywhere you see the Mastercard logo.

Built by travellers, for travellers, the app lets you track your spending, send money to fellow WeSwappers and more. Manage your holiday spending by organising it into categories, adding descriptions and even uploading receipts. Simple.

Store money in 32 currencies, all in their own digital wallets. Flight in a few hours? No problem. You can swap instantly into the currency you need. 

Think you’ve lost your card? Lock it in-app while you look – then unlock it when you find it. Actually lost your card? No worries. We use high level encryption and monitoring to keep your money secure. 24/7, worldwide.

Once you downloaded the app and signed up follow the prompts to create or verify your account. This should only take 2-3 minutes.

Once verified, you will need to load your account first, then you can request the card from the “Cards” tab, it will not automatically be shipped.

The card should arrive within 3-5 working days. Your card will be in a plain windowed envelope with no WeSwap branding – this is for security – so keep a lookout for it!

You don’t need to wait for your travel money card to start using your account. You can load and swap while you wait so when it arrives. you can put your card straight to use

You can also decide to order a virtual card while waiting for your physical card to arrive.

You can load your WeSwap account with a debit card (Visa and Mastercard) and bank transfer. Unfortunately, you can’t load by credit card, PayPal or direct debit.

To load your account:

• Log in to your account
• Click on the Load button on your wallet tab
• Select Bank Transfer or New Debit card 

If you are loading via Bank Transfer:

• Select the currency you want to load by clicking on the arrow next to the currency (load in the same currency of your bank account to avoid extra charges)
• You'll then be provided with the details to do a bank transfer, which you can copy. Note each currency will have its own bank transfer details, so make sure you are taking the correct one for the currency that you want to load.

You will be able to choose between Local and Swift transfer details:

• Local: are the details if you make a bank transfer domestically, e.g. your bank account is in the UK and you are loading in GBP. You can use Local bank transfer details if you have an EU bank account and you are loading in EUR
• Swift: are the details for international transfers only, for example, if you need to load USD, CAD and other overseas currencies from an international account.

Please note fees apply on bank transfer load, you can review them here.

If the sending bank supports instant transfers, the transfer will arrive in a few seconds. Otherwise, it will take up to 2 working days.

If it has taken more than 2 working days, please do get in touch with us here below, by sending a copy of your proof of payment. This will need to show:

• The account numbers from where you did the bank transfer and to which bank account you sent the funds to.
• The amount sent
• The date of the payment

As soon as we receive this, we’ll investigate and get back to you.

If you are loading via Debit Card:

• If it's the first time you load via Debit Card, you'll need to select New Debit card
• Enter your card details and click on Done 
• Enter the amount and select the currency either clicking on the currency logo (a list of available loading currencies will come up) or the arrow.
• If you want to save this card for future payments, select the box next to Would you like to save this card?
• Click on Load
• A new page will confirm you if the payment has been successful - If not please check your card details before trying again.

Debit card loads are instant.

Choose which currency you need and how much you want to swap, we'll take care of swapping your money - instantly! 

To swap, first make sure you've loaded your account with some money (See previous FAQ).

Then you're good to swap your travel money. 

• Choose the currency you want to swap from by swiping through the currencies
• Click on the Swap button on the currency you wish to swap from
• Then choose which currency you'd like to get
• Enter the amount you'd like to swap
• Select Swap, you'll need to confirm that you want to create the swap so check your swap details on the swap offer and then hit Confirm.
• You’ll be asked to Enter your passcode or authenticate via biometric (if you set this up) 

… and you're done, your swap confirmed. Click Done and you will return back to the main Wallet screen  

How much will I get?
We'll show you how much you'll get after fees in the TO currency when you create a swap and enter the amount from.  

You can see all the fees and limits here.

WeSwap card cost:Zero. Zip. Zilch.

Load fee: It’s free if you load domestically/local in GBP via debit card, fees apply for fast payment and international/Swift bank transfer, see here which fees apply.

Swap fees: 2.49% applies to wallet swaps or when you do a swap at the point of sale.

You can also use your card instantly in over 180 countries. So don’t worry if the currency you need isn’t in the app. There’s a 2.49% fee for these transactions.

ATM Fees: It’s free to withdraw up to £200 (or equivalent) monthly, after that a 2% fee charged

You may be charged fees by an ATM, so keep an eye out. They should let you know before you complete your transaction.

Lost card replacement fee: £4.95 (or equivalent in another currency).

Outbound bank transfer: See here which fees apply depending on the currency that you are making the bank transfer for.

Refund fee: £5 for a bank or debit card transfer.