Swinto

Virtus Lending

About this app

Your all-inclusive financial platform. From smooth money-transfers to enabling instant and secure payments, with no base fees, fast and independent.

Receive your salary, exchange currencies with real-time rates — all of that at no cost. Together with our local partners, we also offer cash withdrawals and deposits.

At the core, Swinto is architected as an ecosystem that enables a variety of opportunities for all participants. The platform offers modern, user-friendly, free of charge and instant financial methods, thus bridging the gap between Kosova and Diaspora.

Among many features that are approachable to anyone, here's what to expect from us that makes your way of managing money easier:

No base fees
Yes, that's true — we do not charge for any transfer made, make easy payments effortlessly from your phone, instant and free.

Pay and request payments
Make payments hassle-free to your Swinto friends and relatives, also receive payments with ease, whenever and wherever.

Get updated of your spendings with instant notifications every time you pay for something.

Convert money like a local
Keep up with real time rates in different currencies, do this anytime by having a wonderful, smooth experience.

Scan away easily
Conducting payments and getting paid within seconds. Providing the ability to shop effortlessly, while paying via QR Codes by simply scanning away, both at retail stores and online.

Cash withdrawals — anytime, anywhere
Withdrawing money and cashing up right away within Swinto network, consisting of business partners engaged in different activities in the retail industry.

Smart ways to set your upcoming payments in one place.
Manage your subscriptions and have a peace of mind, where you can also easily track and cancel anytime!

Businesses will benefit from the opportunity to control their business finances with the ability to self-serve — on the go.

Run your business from afar
Run the core of your business without spending money on POS hardware. Pay salaries, inventories, and other business expenses. Transfer money to suppliers in various currencies; Euro, US Dollar, Swiss Francs, or British Pounds with no hidden fees, while also requesting money from customers, partners or vendors in order to better manage the receivable accounts.

Integrate with your ERP for a seamless payment experience.
Offering the API-based integration between Swinto and business ERP software, in order to offer QR payments both in retail stores and online.

Feel safe and secure
Accept payments — safely and securely with best-in-class data protection.