Swadesh Money

Open a zero-balance U.S. account in 3 minutes using just your passport and visa, and enjoy seamless cross-border transfers & secure U.S. banking! Receive a FREE US SIM card and a virtual VISA debit card to start transacting instantly when you sign up.
Deposits are insured for up to $250,000 and held in partnership with Evolve Bank & Trust.
Swadesh is a financial technology company, not a bank. Banking services provided by SolidFi in partnership with Evolve Bank and Trust, N.A; Members FDIC
WHY SWADESH?
OPEN U.S. BANK ACCOUNT IN 3 MINUTES
Say goodbye to paperwork with a 100% digital and onboarding process! We only ask for the information we need, and our KYC is automated. In 3 minutes, get access to a full-featured, zero-balance account for U.S. banking.
INSTANT VIRTUAL CARD FOR CONTACTLESS PAYMENTS
Receive a Swadesh/VISA virtual debit card instantly with your U.S. bank account, ready to use immediately for online & contactless payments at all participating U.S. retailers! Use your virtual card for important online purchases even before you land in the U.S., and enable single-tap contactless payments on the card after you have landed in the U.S.
CUSTOM PHYSICAL DEBIT CARDS
Stand out with your Swadesh card. Choose from an assortment of 5 gemstone colors when you’re ordering your premium Swadesh/VISA debit card. We’ll ship it over for free to your U.S. mailing address in 3-5 business days.
ZERO MONTHLY FEES
Enjoy no minimum balance, monthly account or maintenance fees associated with your Swadesh account! Also, get ATM withdrawal fees waived at 37,000+ in-network ATMs all over the United States.
COMPETITIVE WIRE TRANSFER FEES
Our domestic and international wire transfer fees are some of the lowest in the biz.
While the big banks charge $15-$35 for domestic wires, we charge only $1 for incoming domestic wires and $5 for outgoing domestic wires.
For international wires, we charge $20 for both incoming and outgoing wire transfers, while banks can charge as much as $50 for the same facility.
SECURITY FEATURES
Rely on military-grade 256-bit encryption, mPIN/biometric-enabled access for login & key features, and full-fledged card controls to bank securely on the Swadesh app. Swadesh is powered by a state-of-the-art, proprietary fraud detection system that flags atypical transactions & keeps you banking safely.
Your card information is stored in accordance with PCI-DSS standards, and your sensitive financial data is stored directly by our banking partner and ephemerally by Swadesh.
24/7 BESPOKE SUPPORT
For 24/7 support, please e-mail us at [email protected] or get in touch with a human via WhatsApp at: +1 (917) 813-0082 (U.S.)
SWADESH CLUB
Kickstart your American network with Swadesh Club. Swadesh Club is our desi network of students and early-career professionals based in the United States. All Swadesh users are provided exclusive access to Swadesh Club, and our team of mentors who are volunteering their time to advise students & newly minted expats on academics, career, and life in the U.S.!
Swadesh is constantly building bespoke features to provide you with the best banking experience possible. Watch this space for updates on debit cards with credit scoring, new Indian-inspired card designs, card limits, automatic payments for recurring bills, and more!