Swadesh
Banking, credit building, SIM cards and international transfers for Indians moving to the
Swadesh is a neobank for Indian students and immigrants moving to the United States, addressing the difficulty of opening a US bank account, building credit, staying connected, and sending money abroad before arriving in the country. It offers an FDIC-insured US checking account that can be opened from India with a passport and visa, with a virtual card available on arrival and a physical debit card delivered after settling in.
Core features include a credit builder card with no credit checks, no annual fees, no interest, and no security deposit; international money transfers; and AT&T or T-Mobile SIM cards delivered to India for activation before travel. The platform also provides a checkbook feature for sending checks remotely, referral rewards, a scholarship program, and personalized support. Swadesh is a financial technology company; banking services are provided by regulated banks, with deposits insured up to $250,000 by FDIC.
The service is aimed at Indian expats and non-US citizens at various stages of their move, from students to established residents. The pages do not specify pricing, plans, or trial details.
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