CBN Licensed 
NDIC Insured Banking that moves as fast as you do
Free transfers. Instant bills. 15% Savings. Everything you need in one app.
SWOP
Banking Simplified
Send money for ₦25. Arrives in seconds.
The lowest transfer fee in Nigeria. No hidden charges. Instant delivery.
SWOP
Seconds
Money arrives instantly
Other Banks
Hours/Days
Wait for your money
Pay every bill without leaving the app
Airtime & Data
Instant
Electricity
Instant
Cable TV
Instant
Internet
Instant
Water
Instant
Don't just store money. Grow it.
Competitive interest rates and smart savings features to help your money work harder.
Savings Account
Annual interest, paid monthly
NDIC Insured up to ₦5M
Fixed Deposits
For longer-term savings
Flexible terms available
Auto-save
Set rules to save automatically from your account or transfers. Build savings without thinking.
Goal saving
Create savings goals and track your progress. Save for what matters—school fees, rent, emergencies.
Cards & Control
Virtual and physical cards. Full control over your spending, right from your phone.
SWOP
•••• •••• •••• 1234
Cardholder Name
JOHN DOE
Valid Thru
12/25
Virtual Cards
Create instant virtual cards for online shopping. Freeze or delete anytime.
- Instant creation
- Spending limits
- Freeze instantly from your phone
Physical Cards
Order a physical debit card delivered to your address. Use anywhere Visa is accepted.
- Free delivery
- ATM withdrawals
- 24/7 access
ATM Network
Withdraw cash from any ATM across Nigeria. We cover ATM charges up to ₦1,000 monthly.
Trusted by thousands
See how SWOP is helping Nigerians bank better every day.
Amina
Student at Lagos State University
"I save ₦2,000 monthly with auto-save. Saved ₦24,000 in my first year without even thinking about it."
₦24,000 saved in 12 months
David
Freelancer • Graphic Designer
"₦25 transfers save me hundreds monthly. I send money to clients daily—this adds up fast."
₦15,000+ saved on fees annually
Fatima
Household Manager • Mother of 3
"Paying all bills from one app saves me 2 hours every week. No more queuing at payment centers."
2 hours saved weekly
Kemi
Young Professional
"The virtual card feature is a game-changer for online shopping. I can create cards instantly and freeze them anytime."
Secure online shopping
Frequently Asked Questions
Everything you need to know about SWOP.
Q How do I open an account?
Download the SWOP app from the App Store or Google Play. Complete the registration process with your BVN and valid ID. Your account will be activated instantly.
Q Are my savings insured?
Yes. All deposits are insured by NDIC up to ₦5 million. Your money is safe and secure with us.
Q How much does it cost to transfer money?
Only ₦25 per transfer to any Nigerian bank. No hidden charges, no monthly fees. Transfers arrive instantly.
Q Can I freeze my card instantly?
Yes. You can freeze, unfreeze, or delete virtual cards instantly from the app. Set spending limits and get instant alerts for all transactions.
Ready to start banking better?
Download SWOP today and experience everyday banking that just works.