Licensed by the Bangko Sentral ng Pilipinas

Instant business accounts

Pay your employees and suppliers. Send billings and collect payment. Get up and running in minutes.

Our Customers

Join other growing businesses

We serve entrepreneurs and their businesses, across industries.
bulk payments & payroll

Pay your whole team with a few clicks.

Automate your payroll and pay each member of your team, across majority of banks and e-wallets. Our SMS and email notifications keep everyone in the loop.

Pay majority of banks and e-wallets.
No minimum balance requirements.

Collect payments without the hassle.

Send billings or generate quick payment links to receive funds from your customers through credit cards, major e-wallets, and select local banks.


Power up your business with a full-stack business account that fits your needs.


Automate payments to suppliers and employees, whether you are paying individually or in bulk.


Generate payment links or build a billing and instantly start accepting payments through banks, wallets, and credit cards.

Approval Hierarchy

Stay on top of all your business' payments by requiring maker-checker approval requirements for your payments.
Mobile app

Coming soon.

Manage your business or your card accounts with our simple to use, accessible mobile app. Your business finances all controlled on your phone.

Credit cards

Manage company spend while earning rewards.

All your needs covered with a full range of credit and debit cards .

Lifestyle Benefits :
Get cash backs and rewards that help you spend more without burning through your funds
Travel better by earning unlimited 1.5x miles
Lifestyle Benefits :
Get cash backs and rewards that help you spend more without burning through your funds
Travel better by earning unlimited 1.5x miles
Get  started now

Lending that doesn't weigh you down.

Apply for a loan
Home Loans
Purchase your dream house
Get the lowest interest rates
Car Loans
Finance your vehicle with easy loans
Get bonus discounts and vouchers
Education Loans
Study abroad with access to funds
Pay back conveniently as you grow
Business Loans
Fuel your growth with  funding
Get guidance from experts
Customer Story

Save more time to run your business!

"With XSwap, we can do so many more transactions in less than ten minutes. That's half a day saved that we could use in doing other things: delivering orders, brainstorming more products, and creating more social media content."
Rocco Sumabat
Space Captain @ Halohalo
Customer Story

Easy to use (and teach)!

“XSwap is great! It’s easy to use and more convenient compared to other banks’ payroll platforms. Using it is simple and easy to teach, in case I would need to turn over the task to another finance manager in the future.” - Nikko, Finance Manager, Aspira
Nikko Romulo
Finance Manager @ Aspira
banking service

Latest insights from XSwap


Frequently asked questions

Get answers to all questions you have, if we don't cover it here, feel free to get in touch and we will be more than happy to help!
How do I open an account?

Opening an account takes just a few minutes. You can easily go through our online onboarding process by clicking here!

What are the fees?

We charge per transaction and do not require any upfront payments or maintaining balances.

For sending out money, we charge 10 (currently waived) pesos per local payment transaction to any bank or e-wallet on the network.

For receiving or collecting money through billings and payment links, we charge based on the channel used to collect:

E-Wallets (Gcash, Paymaya, Grab): 2.2% of transacted amount
Banks - Unionbank: Php 15 per transaction
Banks - BPI: 0.8% or Php 15 per transaction, whichever is higher
Credit Cards (Local): 3.2% of transacted amount + Php 10
Credit Cards (International): 4.2% of transacted amount + Php 10

Is XSwap a licensed service?

Yes, XSwap is licensed and regulated by the Bangko Sentral ng Pilipinas (BSP).

Are there any limits to how much I can transact?

We offer various account limits, depending on your completion of our onboarding process. If you finish our onboarding process until the end, we offer unlimited transaction limits.

What happens if I have questions or need help?

You may message our customer support - we are on multiple channels such as email, Viber, and WhatsApp. Our customer success team members are more than happy to help.

Do you have a physical store or branch?

Nope. We give back time and money by allowing businesses to avoid long lines and painful processes at the bank branch. We are easily reachable though through our contact channels.