Account

Keep. Send. Convert.
Manage your money
with confidence.

Live where you want, travel freely and support the people you love. 
Hold, convert, send, and receive across 34 currencies from a single MAS-regulated account.

Open an Account

Contact Us

Your Money. Your Control. No Borders.

$2B+

Processed annually.

180+

Countries supported.

Millions

Transfers completed.

24/7

Customer support.

Multi-currency personal account.

$142,500.00

Auto-convert to

SIngapore Dolllar

Security
you can trust.

Real human
support.

Fast global transfers.

2x faster

Transparent
fees.

Licensed and
regulated.

Multi-
currency personal account.

$142,500.00

Auto-convert to

SIngapore Dolllar

Fast global
transfers.

2x faster

Transparent
fees.

Security
you can trust.

Real human
support.

Licensed and
regulated.

Transparent FX and fee structure.
On every transaction.

Clear fees, shown upfront. Account fees and FX/transfer fees vary by plan and corridor, see pricing.

65% faster onboarding

A streamlined setup process that minimizes paperwork and reduces delays, helping you get up and running much sooner than with traditional banks.

Up to 40% lower FX costs

Access more competitive foreign exchange rates designed to significantly reduce the cost of international transfers compared to typical bank pricing.

99.2% settlement success rate

Depend on a highly reliable transfer infrastructure built to deliver consistent, accurate, and uninterrupted payment completion.

24 - 48 hour application review

Benefit from a fast, straightforward review process that keeps approvals moving quickly and eliminates unnecessary back-and-forth.

65% faster onboarding

A streamlined setup process that minimizes paperwork and reduces delays, helping you get up and running much sooner than with traditional banks.

Up to 40% lower FX costs

Access more competitive foreign exchange rates designed to significantly reduce the cost of international transfers compared to typical bank pricing.

99.2% settlement success rate

Depend on a highly reliable transfer infrastructure built to deliver consistent, accurate, and uninterrupted payment completion.

24 - 48 hour application review

Benefit from a fast, straightforward review process that keeps approvals moving quickly and eliminates unnecessary back-and-forth.

Your money protected.
Real people. Real support.

Whenever you need clarity or reassurance, we’re here. 
Your funds are safeguarded through regulatory oversight, strict compliance frameworks,
and enterprise-grade security controls.

Licensed and regulated.

Operating under recognised financial authorities across key jurisdictions, with full regulatory oversight and compliance.

Enterprise-Grade security.

Advanced encryption, multi-factor authentication (2FA), and strict internal access controls designed to protect your funds and data.

Strong compliance framework.

Comprehensive AML, KYC, and real-time transaction monitoring aligned with international regulatory standards.

Segregated client safeguards.

Client funds are held separately from operating accounts, supported by structured risk management and reconciliation processes.

Licensed and regulated.

Operating under recognised financial authorities across key jurisdictions, with full regulatory oversight and compliance.

Enterprise-Grade security.

Advanced encryption, multi-factor authentication (2FA), and strict internal access controls designed to protect your funds and data.

Strong compliance framework.

Comprehensive AML, KYC, and real-time transaction monitoring aligned with international regulatory standards.

Segregated client safeguards.

Client funds are held separately from operating accounts, supported by structured risk management and reconciliation processes.

Licensed and regulated.

Security, compliance, and fund protection are built into everything we do.
Regulated across leading financial jurisdictions, Transwap maintains fully segregated client accounts,
strict compliance oversight, and institutional-grade safeguards to ensure your money is protected.

Singapore

Major Payment Institution

License No. PS20200415

Hong Kong

Money Service Operator

License No. 16-07-01882

Indonesia

Fund Transfer Operator

License No. 21/248/Sr/3

United Kingdom

Electronic Money Institution

Firm Reference No. 963951

Macau

Remittance Service Partner

BDO Remit (Macau)

Canada

Money Service Business

Registration number M22512088

Singapore

Transwap is regulated and licensed as a Major Payment Institution (License Number PS20200415) under the Payment Services Act 2019 (PSA) by the Monetary Authority of Singapore (MAS).

Hong Kong

Transwap Limited is regulated and licensed as a Money Service Operator (License Number 16-07-01882) under the Anti-Money Laundering Ordinance by the Hong Kong Customs and Excise Department (HKCED).

Indonesia

PT Transwap Dunamis Indonesia is regulated and licensed as a Fund Transfer Operator (License Number 21/248/Sr/3) by Bank Indonesia (BI).

United Kindgom

Transwap Technologies (UK) Limited is authorised and regulated by the Financial Conduct Authority under the Electronic Money Regulations 2011 the purposes of issuing electronic money and provide payment services. Firm Reference Number 963951.

Macau

Transwap Limited is approved by the Monetary Authority of Macao as a partner of BDO Remit (Macao) to handle payments in-and-out of the country.

Canada

Transwap Canada Inc. is registered as a Money Services Business (MSB) with the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC). This registration allows the company to provide money transfer and foreign exchange services in compliance with Canadian anti-money laundering and counter-terrorist financing regulations.

Chosen by individuals
worldwide.

Thousands rely on us to receive payments, avoid unnecessary FX fees, and stay in control worldwide.
See how individuals use Transwap to receive payments, save on FX,
and manage money globally with confidence.

Holding Euro account details allows us to get paid directly from our customers, wihout the need for exchange fees.

Leslie

Students abroad

Having a Euro account means we can receive payments directly from our clients, avoiding any currency conversion fees.

Alexander

Travellers

By maintaining a Euro account, we can get paid directly by our customers, saving on exchange costs.

Alexander

Digital nomads

By maintaining a Euro account, we can get paid directly by our customers, saving on exchange costs.

Alexander

Digital nomads

Real people.
Real experiences.

See how individuals use Transwap to study, work, travel, and live across borders, without financial friction.

Beginner's Guide to International Transactions

Are you new to international transactions? Don't worry, we've got you covered! One essential element you need to know is the SWIFT code...

Read the story

Singapore's Corporate Income Tax System

Planning on establishing your business in the vibrant Singapore? Understanding the tax system is important for financial planning and compliance.

Read the story

Choosing the Right Cross-Border Payment Solution

As small business owners and SME managers, cross-border payments have always been a challenge. Traditional payment methods have been the norm for many years, but with the development of fintech, there are now many new ways to transfer money internationally...

Read the story

How to DIY Multi-Company Payroll & Cross-Border Payments in 2023

Payroll processing is one of the most important, and also one of the most time-consuming, tasks for any business with multiple companies spread across the globe...

Read the story

Avoiding Common Pitfalls in International Payments

Ready to take the next big step and expand your business internationally? As a small business or startup, expanding your reach beyond your local market is very exciting.

Read the story

How to manage your Freelance Finances

As a freelancer, managing your finances can be a daunting task. Choosing the perfect bank account for your business is crucial to keep your finances organized and secure.

Read the story

From Virtual Offices to Virtual Banking

We’re finally beginning to see some light at the end of the tunnel – or is it already 100% post-COVID-19 for you stepping into 2023?

Read the story

Explore our regulatory licences across 5 jurisdictions Explore multi-currency business account solutions Explore how to send money internationally

Frequently
asked
questions.

Common questions about your Transwap personal
multi-currency account.

Search Help Articles

What documents do I need to open a personal account?

You will need a government-issued photo ID (passport or national identity card) and proof of residential address dated within the last three months. Depending on your jurisdiction, additional documentation may be requested to satisfy regulatory requirements. Verification is typically completed within 1 to 2 business days.

How many currencies can I hold?

Your Transwap personal account supports balances in 34 currencies. You can convert between currencies at institutional FX rates, receive funds via local account details in 15+ currencies, and send to 24+ currencies across 180+ countries.

How is my money protected?

Transwap is licensed by the Monetary Authority of Singapore and holds licences across 5 jurisdictions. Your funds are held in segregated accounts with licensed banking partners, separate from Transwap's corporate operating funds. All transactions undergo automated compliance screening and real-time monitoring.

Are there fees for holding multiple currencies?

There is no charge for maintaining balances in multiple currencies. Fees apply only when you convert between currencies or initiate outbound transfers. All applicable fees and exchange rates are displayed before you confirm any transaction, with no hidden charges.

Take control of your money. Today.

Hold 34 currencies, send to 180+ countries, and convert at institutional FX rates. Full fee transparency, segregated fund custody, and MAS-regulated infrastructure.

Speak to Our Team