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Predictable, fast and easy low-value cross-border payments

Whether it’s a small business paying suppliers overseas, or an individual sending money to friends and family internationally, customers expect a payments experience that is transparent, fast and seamless.

SWIFT Go is a transformative new service that delivers exactly that. With SWIFT Go, financial institutions can enable their SME and retail customers to send predictable, fast, highly secure, and competitively priced low-value cross-border payments anywhere in the world, direct from their bank accounts.

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SWIFT Go is part of our vision to enable anybody, anywhere, to send money instantly and securely around the world.

Stephen Gilderdale, Chief Product Officer, SWIFT

Meet your SME & consumer needs

SWIFT Go was developed in close collaboration with the global SWIFT community to meet the needs of small businesses and consumers when sending money across borders:

  • Predictability: Payment amount, time, fees and FX rate (if applicable) are known in advance, and senders and receivers can track the payment’s status in real time.
  • Speed: Tighter service levels between banks increase speed, a single payment format increases straight-through processing (STP), and pre-validation removes frictions that cause delays.
  • Easy to use: A simple and streamlined user experience, with data requirements known upfront. Strict network validation provides for easy initiation and processing of SWIFT Go payments.
  • Competitive prices: SWIFT Go provides a framework for competitively priced low-value payments with a payment amount threshold, processing fees agreed upfront, and increased STP.
  • Security: Payments are underpinned by the strong security of the SWIFT network.

Why use SWIFT Go?

Deliver outstanding customer experience

Delight your SME and consumer customers with a fast and predictable service for moving their payments. 

Remain competitive in high-growth market

Leverage the SWIFT network to deliver a compelling value-proposition in high-growth payments segments. 

Be a leader in payments

Harness the power of frictionless low-value payments as a key enabler of your innovation strategy.

SWIFT Go participants

Below is a list of the current pilot participants and early adopters:

Participant Institutions

(pilot groups and early adopters)


Application Vendors

1. Intesa Sanpaolo

2. Bank of China

3. Bank of NY Mellon

4. Barclays


6. BNP Paribas

7. China Minsheng Bank

8. Citibank

9. DBS

10. Deutsche Bank

11. DNB

12. Garanti Bankasi

13. HSBC

14. JP Morgan Chase

15. Keb Hana Bank

16. Lloyds

17. Mybank

18. National Bank of Australia

19. PagoFX (Santander Group)

20. Sberbank

21. SMBC

22. Société Générale

23. Standard Bank

24. Standard Chartered

25. StoneX

26. Unicredit

27. Wells Fargo

28. Yapi Kredi

29. Banesco

30. China Citic Bank

  • ACI
  • Finastra
  • FIS
  • Fiserv
  • Oracle
  • Pelican
  • Volanté
  • StoneX

The first banks have now gone live with SWIFT Go – including BBVA, Bank of New York Mellon, DNB, MYBank, Sberbank, Société Générale, and UniCredit – with many others set to begin soon.

How to get started

Get in touch with your SWIFT Relationship Manager

SWIFT Go is available to all SWIFT gpi members. To learn how you can get started delivering predictable, fast and easy low-value cross-border payments, contact your SWIFT Relationship Manager or a sales representative in your region.