Swype Reviews 

Exit scam, stole a bunch of money. DO NOT USE!!

One of the worst services, the account have now service interruptions, plus lots of charges. Amount stuck on account, basically can't spend or withdraw that fund. What a crap

Out of nowhere, my swype.cards prepaid card has been suspended. The app only shows a vague message about technical issues with their banking partner, but offers no real details or, more importantly, any estimation of when this will be fixed. It is incredibly frustrating to have my money locked away indefinitely without a clear explanation or a customer support team giving concrete answers. Avoid keeping significant funds here if you need reliable access to your money.

Absolute scam of a company. How are financial institutions not better regulated? I received a gift card via ReachDesk and made the mistake of selecting this card. I wish I could travel back in time and undo this HUGE MISTAKE. I haven't been able to use the card a single time and the one time it "processed" something it deducted a fee of 5 USD for declining it - even though the purchase didn't go through. The people who work here should be ashamed of themselves for treating people's money this way. I hope they go out of business. So frustrating. Stay FAR FAR AWAY

I would strongly recommend avoiding Swype they don’t even deserves 1 Star, they should be at least- 1!

I had money remaining on my prepaid card when it expired. I contacted customer service asking whether the remaining funds could be recovered, transferred, refunded, or whether the card could be reactivated.

Their response was that once the card expires, the remaining balance is permanently forfeited and cannot be restored or credited back, and that expired cards cannot be reactivated.

What I find particularly unacceptable is that they also confirmed that they do not send separate warning notifications before the card automatically expires.

So you can have your own unspent money sitting on the card, receive no separate expiration warning, and then lose the remaining balance once the expiration date passes. Customer service told me they cannot make an exception or manually refund the money.

I understand that companies have terms and conditions, but taking the entire remaining balance after expiration while providing no separate warning is an extremely poor customer experience.

If you use Swype, I strongly recommend spending the entire balance well before the expiration date. Based on my experience, I would never use this service again.

The review under is fake or meant for some other place. Swype.cards is still not replying to emails and funds are still frozen. Lawsuits likely pending soon for Reloadly.

I have balance but can't to spend it
Support not responde, there are notify in the site from 24/07/2026 that service have problems. Don't risk your money with Swype.cards.
Update, 2 October 2026. Still no refund. This is a runaround, not support.

About $17 is still stuck. Nicolás at Reloadly/Swype said the money was refunded to another company, Xoxoday. I never bought anything there. For weeks different agents asked for the same details again and again. They pushed a personal phone call. I joined. Nothing was paid. Then the ticket was closed.

The card has been unusable since the July outage. Promising a refund and sending the customer in circles is mockery on top of keeping the balance. Do not leave money on Swype.

They are Scammers they have taken alot of peoples money and put it on hold anyone who buys from this company will get scammed

Big SCAM! Product never worked and they never responded to my email

It's been days and it is still down without any communications. I emailed customer service and it's been three days and no response!! How is it that the system is still down when it's been more than four days?! It's shouldn't be more than 24hours seriously.

Edit: it's been weeks. They are a scam!

It's been 4 days since nothing works and support just keeps sending us the same message over and over.

Just don’t. They keep declining my card even though I have money on it. I don’t care if your partner server is down that’s not my problem. My problem is that I have money available, but I can’t use it.

The worst ever service. They clearly have a hidden minimum balance policy, even with sufficient funds one of my cards got declined repeatedly and I was charged a "card declined fee" until the balance reached 0$.
Moreover, recently, their partners' servers were apparently down so I can't make any transaction.
AVOID AT ALL COSTS
UPDATE: It's been about a week since their service is "down" all cards are being declined. BEWARE

I wish I could give this company a zero rating. I activated my card, but when I tried making a payment, it declined. When I checked my balance, I was deducted a “declination fee.” Since then, I’ve been unable to use my card because it simply won’t charge. This is the worst experience I’ve ever had with any financial institution. I’ve never bothered with reviews before, but this is pure robbery. I won’t want anyone else to go through this. Please don’t get scammed by this company.

I purchased 3 vouchers for swype cards and when I try to redem them after I put my email and my name and everything else it stay stuck in the last page saying

"Fueling your wallet. Swype-style...One sec"

And it just stay like that for ever i wasted my money on this i'm so frustrated

This place is a joke , I am trying to send my girlfriend some school money for our daughter in the Dominican Republic, and these jokers sell me a bogus ass Visa card that still isn't cashed 2 days later , I am going to western union trust me these folks are not worth your time. the contact info requires you have an email address from somewhere other than gmail or iCloud WTF?

0 stars please! I just wished I saw this before I redeemed a company reward as a 'swype global mastercard' that can be used anywhere MC is accepted. I redeemed USD200 because I wanted to get something from AliExpress that was just under USD190. So I added my card to PayPal but it got rejected for some reason, and I was charged ~USD3. No big deal, I thought, although I was annoyed. The support guys said can't use digital wallet, although on the FAQ they say yes, can add to wallets like Apple Pay or Google Pay. So I add my card to Apple Pay. But when I tried to pay there was an error that it exceeds the limit! So I find out that I was trying to pay exactly 96% of the remaining balance! When I looked at the transactions on the dashboard, it said 'suspicious transaction'. BUT I WAS THE ONE TRYING TO USE THE CARD!!!! And worse now is that they again charged me 'decline fees'! What a scam! What now? You will just eat up the remaining balance with fees and charges and I cannot use my money anywhere?
update: I got a response from support that the limit was 95% of the balance. But their FAQ states 96%! I was within 95% yet it said I was over threshold. Now after more fees I don't have enough balance for what I was intending to use this card for. And what's silly is that they say you can use the full balance, but the transaction must be 96% (or 95%)...how would that work?
further update: i was able to make a successful transaction by doing a few things that is not something anyone would normally do.

1. estimate how much of your balance is 90%, instead of 95%.
2.expect other hidden fees that's around USD5 on top of what you are purchasing.

So overall, the main scam here is that swype has all these 'fees and policies' structured so they can collect them before even a customer is able to use the product, as well as other fees applied when actually purchasing, that counts toward the ridiculous 95% of the balance limit. Basically, don't expect to maximize your gift card balance. This is a huge scam since redeeming a card I already had to pay 8% 'handling fee', then various 'reversal fees' and purchase fees. For the USD200 card, I paid USD216 yet was only able to use ~USD180.

Yet another victim is reporting or sharing his experience. However rest assured, FBI has been informered regarding the matter and will take contact, for more information if necessary. I got my 3 thousand dollar prepaid card cancelled, upon contacting support they spent almost three moths on stilling and presenting one contract paragraf after another. While they should just have reissued me my card. They claimed KYC check to be necessary this time as well, however do not Trust this company anymore and have contacted FBI for support and assistanse. Encourage others to do the same at tips dot FBI dot com especially the Americans, the amount does not matter, you have rights. It worse for us non-americans. Stop wasting time with support, they just waste time without helping.

I was issued a $50 card. Before I could spend a cent, "maintenance charges" quietly took it to $44.99. When the card didn't work, I got a week of support agents citing policy sections at me, one of whom agreed in writing that a technical defect shouldn't penalize the customer and then refused to act on it.
To get a replacement, they required a government ID and a facial selfie through a KYC vendor. For a $50 card. I complied. The reissued card then declined twice on first use, and the reason given was a "95% balance policy" that appears nowhere in their own Service Agreement. I read the whole thing. They invented a rule to justify the decline, and by their own fee schedule, every decline earns them a fee against your balance.
That's the model: skim the balance with maintenance fees, manufacture declines, charge for each one, and let what's left bleed to zero so the account closes with the remainder in their pocket. I also sent a formal data deletion request and got no response.
If you're considering one of these cards, don't. You will not extract your money, and you will hand over your identity documents trying. Read the other reviews here. Same story, different name every time.