Best Swish Alternatives in 2026
The top Swish alternatives are PhonePe, Apple Pay and Weixin Pay: 15 mobile payment apps our editors would look at instead of Swish, in our ranking order.
Swish: A free Swedish mobile wallet for bank-linked P2P, QR and store payments. Where it falls short: primarily domestic; no international transfers or bill-pay features.
Switching from Swish? For most mobile payment apps buyers the best Swish alternative is PhonePe, built for broad everyday UPI payments in India.
Why People Look for a Swish Alternative
- Primarily domestic; no international transfers or bill-pay features
- Store payments depend on participating physical stores
- Sending payments requires a smartphone and Mobile BankID activation
- No international transfers — 3 of the alternatives below have it
Quick Picks by What You Need
- Best overallPhonePe9.4
Broad everyday UPI payments in India
Visit PhonePe - Best free optionPhonePe9.4
Has a free plan
Visit PhonePe - Best for international transfersMonzo8.7
International transfers (Swish: no)
Visit Monzo
All 15 Swish Alternatives, Ranked
Advertiser disclosure: iTechGuides is reader-supported. Vendors can pay for top positions in our rankings and for a place on other products' pages, and we may earn a commission when you click some links. Bought places stand at the number bought; this page and our disclosure say so. Paying vendors may get a fuller, more detailed review from our editors, and that review can change their score. How we rank.
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Best forBroad everyday UPI payments in India
- Better than Swish:
- Editor score 9.4 vs 5.1
A free iOS and Android app for everyday UPI transfers, QR payments and bills.
9.4/10★★★★★Visit PhonePe -
Best forApple users paying in stores and online
- Better than Swish:
- Editor score 9.2 vs 5.1
A no-cost payment service for Apple devices, with checkout availability depending on merchant and region.
9.2/10★★★★★Visit Apple Pay -
Best forQR and cross-border payments in supported markets
- Better than Swish:
- Editor score 9.1 vs 5.1
A free mobile wallet for QR, merchant and supported cross-border payments.
9.1/10★★★★★Visit Weixin Pay -
Best forU.S. peer payments and expense splitting
- Better than Swish:
- Editor score 9.0 vs 5.1
A free U.S.-focused app for peer payments, splitting expenses, and moving balances.
9.0/10★★★★☆Visit Venmo -
Best forMobile-money users needing cash access
- Better than Swish:
- Editor score 8.9 vs 5.1
A broad mobile wallet for transfers, cash access, bills, merchants and remittances.
8.9/10★★★★☆Visit M-PESA -
Best forSwiss peer and merchant payments
- Better than Swish:
- Editor score 8.8 vs 5.1
A free mobile wallet for instant TWINT-to-TWINT payments and supported merchant checkout in Switzerland.
8.8/10★★★★☆Visit TWINT -
Best forUK users wanting banking plus payments
- Better than Swish:
- International transfers
- Editor score 8.7 vs 5.1
A UK-focused current account combining card payments, budgeting and transfers.
- International transfers
8.7/10★★★★☆Visit Monzo -
Best forIntegrated wallet payments in Southeast Asia
- Better than Swish:
- Editor score 8.6 vs 5.1
A free Singapore-focused wallet for Grab payments, QR checkout and eligible transfers.
8.6/10★★★★☆Visit GrabPay -
Best forKorean online, QR and shopping payments
- Better than Swish:
- Editor score 8.5 vs 5.1
A free NAVER wallet for Korean online, QR, shopping and everyday payments.
- QR payments
- In-store payments
- Peer transfers
8.5/10★★★★☆Visit Naver Pay -
Best forKazakhstan users needing all-in-one payments
- Better than Swish:
- International transfers
- Editor score 8.4 vs 5.1
A free mobile wallet for bills, QR purchases, transfers and everyday account control.
- International transfers
- Bill payment
- QR payments
8.4/10★★★★☆Visit Kaspi.kz -
Best forIndian UPI and bill payments
- Better than Swish:
- Editor score 8.3 vs 5.1
A free Amazon India app service for UPI transfers, bills, recharges and QR payments.
- Bill payment
- QR payments
- In-store payments
8.3/10★★★★☆Visit Amazon Pay -
Best forStraightforward Indian UPI payments
- Better than Swish:
- Editor score 8.2 vs 5.1
A free mobile app for UPI transfers, QR payments, bill pay and transaction support.
- Bill payment
- QR payments
- In-store payments
8.2/10★★★★☆Visit BHIM -
Best forBrazilian Pix users wanting extra features
- Better than Swish:
- Editor score 8.1 vs 5.1
A free Brazil-focused account combining Pix, scheduled payments and international features.
8.1/10★★★★☆Visit PicPay -
Best forPeople who want bank-linked payments in Europe
- Better than Swish:
- International transfers
- Editor score 8.0 vs 5.1
Wero brings QR-code payments, transfers and bill splitting together in a bank-linked app.
- International transfers
- Bill payment
- QR payments
8.0/10★★★★☆Visit Wero -
Best forAndroid contactless cards and passes
- Better than Swish:
- Editor score 7.9 vs 5.1
Free wallet for tap-to-pay cards, passes, tickets, IDs, and Google services.
7.9/10★★★★☆Visit Google Wallet
Swish Alternatives: Common Questions
What is the best alternative to Swish?
PhonePe: #1 in our Mobile Payment Apps ranking, with an editor score of 9.4 out of 10. A free iOS and Android app for everyday UPI transfers, QR payments and bills.
Is there a free alternative to Swish?
Yes. PhonePe, Apple Pay, Weixin Pay, Venmo and TWINT have a free plan or a free tier (14 of the 15 alternatives on this page).
Why do people look for Swish alternatives?
Primarily domestic; no international transfers or bill-pay features; Store payments depend on participating physical stores; Sending payments requires a smartphone and Mobile BankID activation.
How do I switch from Swish?
Export your data from Swish (most tools have an export in their settings). Sign up for the alternative; start on its free plan or trial if it has one. Import your export and set up the integrations your team relies on. Run both side by side for a short while, then cancel Swish.
How to Switch from Swish
- Export your data from Swish (most tools have an export in their settings).
- Sign up for the alternative; start on its free plan or trial if it has one.
- Import your export and set up the integrations your team relies on.
- Run both side by side for a short while, then cancel Swish.
Swish vs Each Alternative
| # | Tool | Free plan | Paid from | Score |
|---|---|---|---|---|
| 39 | Swish | Yes | Free | 5.1 |
| 1 | PhonePe | Yes | Free | 9.4 |
| 2 | Apple Pay | Yes | Free | 9.2 |
| 3 | Weixin Pay | Yes | Free | 9.1 |
| 4 | Venmo | Yes | Free | 9.0 |
| 5 | M-PESA | 8.9 | ||
| 6 | TWINT | Yes | Free | 8.8 |
| 7 | Monzo | Yes | £3/mo | 8.7 |
| 8 | GrabPay | Yes | Free | 8.6 |
| 9 | Naver Pay | Yes | Free | 8.5 |
| 10 | Kaspi.kz | Yes | Free | 8.4 |
| 11 | Amazon Pay | Yes | Free | 8.3 |
| 12 | BHIM | Yes | Free | 8.2 |
| 13 | PicPay | Yes | Free | 8.1 |
| 14 | Wero | Yes | Free | 8.0 |
| 15 | Google Wallet | Yes | Free | 7.9 |
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
Last updated · How we research and update