Multi-currency accounts, competitive FX rates, and fast international payments — for private clients and businesses. Built on regulated Swiss infrastructure.
Open Account
Fully regulated
Swiss SRO Licensed
Authorised financial intermediary
Multi-currency support
30+ Currencies
Hold & convert in one account
Global reach
150+ Countries
International payment coverage
Payment speed
Same-Day Settlement
On major currency corridors
Whether managing private wealth or running a business, AlterSwap delivers the currency infrastructure you need — without the friction of traditional banking.
Multi-currency accounts and competitive FX rates for internationally mobile individuals, families, and private offices.
Multicurrency Accounts. Hold balances in CHF, USD, EUR, GBP, AED, and more — all in one place. Designed for individuals and businesses managing money across multiple countries.
FX Conversion: Live rates across 150+ currency pairs. Convert at the moment that works for you — with transparent pricing and no hidden spreads.
24/7 Monitoring: Advanced dashboard analytics to track your currency balances and payment activity in real-time.
Wealth Mobility: Send and receive capital via SEPA, Faster Payments, CHAPS and SWIFT rails without the friction of legacy bureaucracy.
For the modern enterprise. A robust payment infrastructure designed for institutional-scale cross-border trade, supplier settlements, and multi-currency treasury management.
Bulk Cross-Border Payments: Send hundreds of international payments in a single batch. Built for freight operators, importers, payroll teams, and marketplace platforms.
Entity-Grade Accounts: Multi-currency accounts tailored for complex business structures and international operations.
Payroll & Supplier Payments: Pay contractors, suppliers, and employees in their local currency — in bulk, on schedule, with full transaction records.
Industry Agnostic: Built for any industry with cross-border complexity — from freight and logistics to e-commerce, professional services, and real estate.
Strategic Support: Direct access to account specialists to facilitate large-scale settlements and bespoke financial flows.
AlterSwap is more than an account. It is a full-spectrum currency and payments platform designed to eliminate the lag between your intent and execution.
Segregated Client Funds: Your balances are held in segregated accounts with licensed banking partners — fully ring-fenced from operational funds.
Unified Currency Hub: Hold and manage CHF, USD, EUR, GBP, AED, and more within one unified account — with real-time balances and instant visibility across currencies.
Competitive Rates: Convert currencies at rates that reflect the real market - with transparent pricing and no hidden markups, for any transaction size.
Settlement Rails: Send via SEPA, SEPA Instant, CHAPS, and Faster Payments — with SWIFT routing for global reach. Funds arrive the same day on major corridors.
Our onboarding is engineered to respect your time. A streamlined, digital-first verification process designed for global individuals and businesses — so you can start converting and sending money without delay.
1. Secure Identification
Choose your account type - Personal or Business. Your data is encrypted and securely handled from the first step, in line with Swiss data protection standards.
2. Identity Verification
Complete our digital KYC/KYB process using biometric and document verification. Your credentials are checked against global compliance standards - typically completed in minutes.
3. Account Activation
Upon approval, your multi-currency accounts are instantly activated. Access your balances, IBANs, and FX conversion tools immediately - no waiting, no branch visits.
4. Start Transacting
Fund your account and start converting currencies or sending international payments straight away. Your first transfer can be initiated within minutes of activation.
Direct answers to the most common questions about our accounts, FX services, and global payment capabilities.
What is AlterSwap?
What is AlterSwap?
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AlterSwap is a Swiss-regulated currency and payments platform for private clients and businesses. We provide multi-currency accounts, competitive FX conversion, and fast international payments - making it easier to hold, convert, and send money across borders.
How does AlterSwap differ from a traditional bank?
Traditional banks typically offer poor FX rates, slow international transfers, and rigid account structures that weren't designed for global mobility. AlterSwap is built specifically for cross-border money movement - with live FX rates that reflect the real market, same-day settlement on major corridors, multi-currency IBANs, and a fully digital onboarding process. You get the financial infrastructure of an institutional platform without the branch visits, the waiting, or the hidden fees.
What is the difference between Personal and Business accounts?
Personal accounts are designed for internationally mobile individuals, UHNW clients, and family offices who need to manage wealth across multiple currencies and jurisdictions. Business accounts are tailored for companies with cross-border payment needs — including multi-entity structures, bulk payment capabilities, supplier settlements, and corporate FX management. Both account types provide access to the same core infrastructure: multi-currency balances, live FX conversion, and international payment rails.
Currencies & Payments
Which currencies do you support?
AlterSwap supports 30+ currencies including CHF, USD, EUR, GBP, SGD, AED, CNY, HKD, JPY, CAD, AUD, and more. You can hold balances in multiple currencies simultaneously within a single account, convert between them at live rates, and send internationally across 150+ countries. If you require a specific currency not listed, contact our team — we expand our coverage regularly based on client demand.
How fast do international payments arrive?
Payment speed depends on the destination currency and the rail used. SEPA Instant transfers within the eurozone arrive in seconds. CHAPS and Faster Payments within the UK typically settle the same day. SWIFT payments to most international destinations arrive within 1–2 business days. On our priority corridors — including CHF, USD, EUR, and GBP — same-day settlement is available for payments initiated before the daily cut-off time.
Can I hold multiple currency balances without converting?
Yes. One of AlterSwap's core features is the ability to hold balances in multiple currencies simultaneously — with no forced conversion and no expiry on your balances. You choose when to convert, at the rate that suits you. This is particularly useful for businesses managing multi-currency revenue streams or individuals with income, assets, or expenses in different countries.
What are your FX rates and how do spreads work?
AlterSwap provides FX rates based on live interbank market data, with a transparent spread applied per conversion. Unlike banks that bury margins inside opaque exchange rates, our pricing is shown clearly before you confirm any transaction - so you always know exactly what you're paying. Spreads vary by currency pair and transaction volume. Clients with higher monthly conversion volumes are eligible for tighter spreads. Contact our team to discuss pricing for your specific usage.
Security & Regulation
How are client funds protected?
Client funds held with AlterSwap are kept in segregated accounts with licensed banking partners - fully ring-fenced from AlterSwap's operational funds. This means your money cannot be used for proprietary purposes and remains protected in the event of any operational disruption. AlterSwap does not lend, invest, or otherwise deploy client balances. Segregation of client funds is a core requirement of our regulatory framework and is audited on an ongoing basis.
What is the regulatory standing of AlterSwap?
AlterSwap operates as an SRO-affiliated financial intermediary registered in Switzerland, authorised to provide foreign exchange and cross-border payment services to private and corporate clients. Our SRO affiliation means we are subject to ongoing compliance oversight including AML/CFT controls, KYC/KYB requirements, and regular reporting obligations. We do not provide investment advice, securities custody, or lending services.
How long does the verification process take?
For personal accounts, identity verification is typically completed within minutes using our digital KYC process - biometric verification and document authentication are handled entirely online, with no branch visits required. Business account verification involves a KYB review of corporate documentation and typically takes 1–3 business days depending on the complexity of the entity structure. Our team will keep you updated throughout and reach out directly if any additional information is needed.
What KYC/KYB documents are required to open an account?
For personal accounts you will need a valid government-issued photo ID (passport or national ID card) and proof of address dated within the last three months. For business accounts the standard requirements include certificate of incorporation, register of directors and beneficial owners, proof of business address, and identification documents for all UBOs with 25% or greater ownership. Depending on your jurisdiction and business type, additional documentation may be requested during the review process. Our onboarding team is available to assist throughout.
Technical Support
How can I contact the AlterSwap team?
How can I contact the AlterSwap team? -> Every Alterswap client is assigned a dedicated relationship manager upon completing onboarding. Your manager is your direct point of contact for any queries — from routine account questions to time-sensitive payment support. You can reach them directly or contact our team at support@alterswap.ch to schedule a call at a time that suits you.
Do you offer dedicated support for large transactions or business accounts?
Yes. Business account holders and private clients with higher transaction volumes are assigned a dedicated relationship manager who provides direct support for large or complex transfers, FX strategy, and multi-currency account management. For institutional-scale payments — including bulk supplier settlements, large cross-border transfers, and time-sensitive FX conversions — our team can arrange priority handling and bespoke routing. Contact us to discuss your requirements.
© 2026 AlterSwap All rights reserved.
AlterSwap AG | Company Registration: CHE-400.153.137 | Registered Address: Assetstrasse 37, CH 6438, Ibach, Switzerland | AlterSwap AG is a Swiss-based entity and an officially affiliated member of the VQF (Self-Regulatory Organization), recognised by the Swiss Financial Market Supervisory Authority (FINMA), VQF Member Nr. 101326. We adhere to the highest Swiss standards for Anti-Money Laundering (AML) and financial integrity.
Transparency is the cornerstone of the AlterSwap AG ecosystem. In alignment withthe Markets in Crypto-Assets (MiCA) framework and Swiss regulatory standards, we provide thefollowing structural notice regarding digital asset engagement.
Nature of Digital Assets Digital assets (including Bitcoin, Ethereum, and Stablecoins) are engineered on decentralized ledger technology. They are not legal tender, are not backed by any central sovereign authority, and are subject to high market volatility. You should only deploy capital that aligns with your risk tolerance and liquidity requirements.
Absence of Traditional Safeguards Assets held within the digital infrastructure of AlterSwap AG are not covered by the Swiss deposit insurance scheme (esisuisse) or any other statutory investor compensation funds. Unlike traditional fiat deposits, digital assets lack a centralized "lender of last resort."
Operational Custody & Security AlterSwap AG utilizes a hybrid security architecture—combining multi-signature MPC technology with deep cold-storage protocols. While oursystem is engineered to eliminate single points of failure, the inherent nature of blockchain technology involves technical risks that exist independently of our platform’s security layers.
Stablecoin & Asset-Referenced Tokens For transactions involving Stablecoins (such as USDC or USDT), users should refer to the whitepapers provided by the respective issuers for detailed information on reserve composition and redemption rights. AlterSwap AG facilitates liquidity but does not act as the primary issuer of these digital instruments.
Reverse Solicitation & Jurisdictional Notice This website and its contents do not constitute an offer, solicitation, or advertisement of services in jurisdictions where AlterSwap AG is not authorized to operate. By accessing this platform, you acknowledge and confirm that you have sought information about our services on your exclusive and own initiative (Reverse Solicitation). No marketing or promotional outreach has been directed toward your specific jurisdiction by AlterSwap AG.
Acknowledgement of Sovereign Risk By proceeding, you confirm that you have been fully informed of the regulatory status of digital assets and acknowledge that you are acting on your own initiative within the AlterSwap AG framework.
