Accounts
How do I open a new account?
Tap "Open an Account" on our homepage. You'll need a valid form of identification and a minimum opening deposit of $0 for personal checking. The process takes about 3 minutes.
What types of accounts does Swift Reserve Bank offer?
We offer Personal Checking, High-Yield Savings, Business Checking, Money Market, and Certificate of Deposit (CD) accounts. Visit our Personal or Business pages for full details.
Is there a monthly fee?
Personal Checking is free with no minimum balance. Business and premium accounts may have fees — see our Disclosures page for the complete fee schedule.
How do I close my account?
Contact customer service via phone or chat. We'll guide you through the process and ensure any remaining balance is transferred to your linked account.
Transfers & Payments
How do I send money to another person?
Open the app, tap "Send" from the quick actions, enter the recipient's email or account number, the amount, and confirm. Transfers between Swift accounts are instant.
What is the daily transfer limit?
The standard daily limit is $10,000 for personal accounts and $50,000 for business accounts. You can request a temporary increase through customer service.
Are international transfers supported?
Yes. We support transfers to 45+ countries. International transfers typically settle within minutes. Standard FX fees apply — see our Disclosures page.
Can I schedule recurring payments?
Absolutely. From the Payments tab, choose "Schedule" and set your frequency (weekly, bi-weekly, monthly). You can pause or cancel anytime.
Security
How is my data protected?
We use AES-256 encryption at rest and TLS 1.3 in transit. All sessions are protected by multi-factor authentication and continuous fraud monitoring.
What should I do if I suspect fraud on my account?
Lock your card immediately in the app and call our fraud hotline at 1-800-SWIFT-SEC. You can also report fraud online.
Does Swift Reserve Bank support biometric login?
Yes — Face ID, Touch ID, and fingerprint login are supported on iOS and Android. Enable biometrics from Settings → Security in the app.
General
Is Swift Reserve Bank FDIC insured?
Deposits held at Swift Reserve Bank are insured up to $250,000 per depositor through our banking partner, a member of the FDIC.
Can I visit a branch in person?
Swift Reserve Bank is primarily a digital bank. We operate select experience centers in New York, London, and Singapore — appointments can be scheduled through the app.
Still have questions?
Our team is available 24/7. Contact customer service by phone, chat, or email.