Fees and Conditions

General

Open a personal account:
Free
Open a business account:
Free
Account maintenance:
Free
Minimum transaction amount:
5 EUR
Maximum transaction volume:
Unlimited, but a limit may still apply based on the customer’s provided financial information.
Refund fee:
1% minimum 50 EUR

Transaction fees

SwapinBuy: buy crypto directly from your bank account

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

SwapinBuy fees apply for both personal and business accounts.

SwapinPay: pay with crypto and the recipient will get fiat

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

SwapinPay fees apply for both personal and business accounts.

SwapinGet: sell crypto and get fiat on your bank account

Transaction volume
Swapin Fee
Bank transfer fee
Crypto to fiat exchange rate
Transaction volume
From 5 € to unlimited
Swapin Fee
0.8%
Bank transfer fee
0.2%
Crypto to fiat exchange rate
Floating

SwapinGet fees apply for both personal and business accounts.

SwapinCollect: accept crypto as a business and get fiat on your bank account

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

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

Supported currencies

 
SwapinGet, SwapinPay
SwapinBuy
Fiat
SwapinGet, SwapinPay
EUR, GBP
SwapinBuy
EUR
Crypto
SwapinGet, SwapinPay
Bitcoin, Ethereum, Litecoin, Bitcoin Cash, Dash, TRX, USDC, USDT, Dai, BNB
SwapinBuy
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
up to 5 mins
Instant SEPA Bank Transfer
up to 5 mins
SEPA Bank Transfer
1 business day

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 additional details about your transactions to comply with AML regulations. Fees for non EEA clients will be calculated based on the use case.