WeSwap Travel Money Credit is here!

There’s no denying it; credit cards can be an important part of the way we spend abroad. In fact, more than 35% of us used our everyday credit cards to spend on holiday at some point last year. The problem is, it’s expensive.

Transaction fees, cash withdrawal fees, interest charges – even if you pay off in full - plus in some cases, an extra fee every time you spend. And many of those fees can be painfully unclear.

We’ve always felt this needed fixing and today we’re releasing something that we think makes spreading the cost of your travel spending much simpler and fairer. Introducing WeSwap Credit 🎉




Log in to your dashboard and hit Load now to see it in action! NB: WeSwap credit is available to UK customers on the web version of WeSwap only - coming to the app soon.

WeSwap Credit is a flexible revolving line of credit that works with your WeSwap card. When you apply, you’ll get a personal credit allowance which you can choose to use to load your WeSwap account. Unlike a loan, you can either use all of your allowance, or only some of it – and you only ever pay back what you use.

Best of all, it’s completely interest free for 30 days after you apply, and you can repay early without penalty. 🌟

We’re working in partnership with highly recommended and trusted travel finance specialists, Fly Now Pay Later – you can read more about them here.


Success (2)

Here’s how it works:

1 - Head to your GBP wallet and hit Load.

Tap in how much you’d like to initially load by credit and choose “Load with WeSwap Credit”.

2 - Apply and check your rate and limit in 2 minutes

Answer a few questions about your credit requirements and get a personalised quote, allowance and APR instantly. Remember that this is a credit check, so make sure all your details are all correct.

3 - Get your money instantly

Read and accept your terms and confirm your initial load amount - then get your money in your WeSwap account right away. You’ll also be emailed your agreement and your FlyNowPayLater log in for later.

4 - Load what you need

Next time you want to use your credit allowance, tap Load with Credit again and view your remaining allowance. You can load all of your credit allowance, or only use some of it.

5 - Repay, with no penalties for early payment.

Log in to my.flynowpaylater.com with your Fly Now Pay Later details to view your credit allowance and make payments at any time. Choose to pay back in monthly instalments, or pay off your whole balance at no extra cost.

Other things you need to know:

  • Remember when you apply that this is a credit application, so make sure your details are all correct and you fully understand all the terms.
  • Interest is free for the first 30 days from the date you first apply for WeSwap credit. So if you pay off in full within 30 days after you accept the terms, you won’t be charged anything at all.
  • After that, the Representative APR is 19.9% (variable). Remember that the rate you are offered may differ and will be based on your personal circumstances, so make sure to check the terms and conditions of your credit agreement in full.

We’re super excited to bring this option to our travellers and can’t wait to hear what you think. Further down the line, we’re also looking at other exciting ways we can use our peer-to-peer community to bring value to our travellers as they spend abroad, so this is just the start.

If you’ve got any feedback, thoughts or questions, let us know in the comments below or email us at [email protected].

WeSwap.com is an appointed representative of Fly Now Pay Later Limited.  Fly Now Pay Later Limited acts as a credit intermediary and not a lender and is authorised and regulated by the Financial Conduct Authority under firm reference number 656677. Credit accounts are provided by Travelfund Limited who are authorised and regulated by the Financial Conduct Authority under firm reference number 672306. Fly Now Pay Later ® & Travelfund ® are registered trademarks of Travelfund.co.uk Limited.

WeSwap and the WeSwap logo are trademarks of MK Fintech Limited trading as WeSwap.com. The WeSwap card is issued by Monavate Limited, pursuant to license by Mastercard International. Mastercard is a registered trademark of Mastercard International Incorporated. Monavate Limited is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 for the issuing of electronic money and the provision of payment services (FCA Register reference 901097). For further information, please visit weswap.com/legal
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