PRICING

Pricing that respects your kobo.

Free for individuals, transparent for businesses. No hidden fees, no FX surprises. ₦ first, always.

Personal
Free
₦0forever

Everything an individual needs. No card, no commitment.

Get early access
Unlimited chats, voice & video calls
Wallet · ₦0 send to any SwiftID
Bill payments (1% capped at ₦100)
Buy eSIM plans · all networks
SwiftBot AI · 100 actions/month
Social feed & stories
MOST POPULAR
Plus
Best for power users
₦1,500/ month

Higher limits, free bill payments, and an unlimited SwiftBot.

Start 14-day free trial
Everything in Personal
₦0 bill payments — no caps
Unlimited SwiftBot AI actions
₦10M daily transfer limit
2% cashback on eSIM plans
Priority customer support
Virtual ₦ card · USD optional
Business
For merchants
From ₦5,000/ month

SwiftID payments, in-chat checkout, APIs, team accounts.

Talk to sales
Merchant SwiftID + branded link
In-chat checkout · pay-by-message
API + webhooks · 99.99% SLA
Sub-accounts & team roles
Settlement T+0 to any Nigerian bank
Invoicing, reports, exports
Dedicated account manager

The full fee table

What you'll pay, by action. No surprises.

PERSONAL
PLUS
BUSINESS
Wallet → Wallet (any SwiftID)
₦0
₦0
₦0
Send to Nigerian bank
₦25 flat
₦0
₦20 / txn
Airtime & data top-up
₦0
₦0
₦0
Electricity / cable / water
1% (max ₦100)
₦0
0.5% (max ₦200)
eSIM plans
Plan price
Plan price · 2% back
Plan price · 5% back
SwiftBot AI actions
100 / mo free
Unlimited
Unlimited
ATM withdrawal (₦ card)
₦35
₦0 (3/mo)
₦20 + 1%
FAQ

Pricing, plainly.

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Are there any hidden fees?
What does "₦0 wallet → wallet" mean?
Is SwiftCom regulated?
Can I switch plans later?
How does the merchant tier work?
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