Swoo Pay

Pay the easy way. With Swoo Pay, paying is as easy as a tap. Simply link your FNB card and your compatible Android or Huawei smartphone becomes your wallet — no physical cards, no fuss, no Google services needed. It's fast, secure and makes paying feel effortless.

Call me back

Swoo Pay setup process

Get set up and paying in a few quick steps.

Download the Swoo Digital Wallet App

Download and launch the Swoo Digital Wallet App on your Android or Huawei smartphone.

Set up your account

Follow the instructions to set up a Swoo account or sign into an existing account.

Add your bank card

On the landing page, select 'Add', and then 'Bank Card'.
Follow the on-screen instructions to register your banking card.

How Swoo Pay works

Swoo Pay uses contactless payment technology to offer a faster, safer, and more convenient way to pay. It's available to existing FNB clients who have an NFC-enabled smartphone running Android OS or Huawei's Harmony OS (with or without Google services). To get started, download the Swoo Digital Wallet App, load your FNB card details, authenticate using the OTP sent to you, and start making payments with just a tap.

Swoo Pay FAQs

Everything you need to know about paying with Swoo Pay.

What is Swoo Pay?

Swoo Pay is a mobile payment and digital wallet service. It allows users to make contactless payments using an NFC-enabled smartphone running Android OS or Huawei's Harmony OS (with or without Google services).

How do I make a payment with my phone?

Log in to your Swoo Digital Wallet App
Select your registered bank card
Place your phone near the POS device to complete the transaction

Can I add my credit card to Swoo Pay?

Yes. A virtual card remains the preferred option to load onto a supported digital wallet, offering enhanced security features and higher eBucks rewards.

How can I delink my virtual card from Swoo Pay?

View and remove cards linked to your Swoo Pay Wallet on the FNB App by going to Settings > Wallets + Subscriptions, or
Remove the card by using the Swoo Digital Wallet App

In the case of your device being lost or stolen, remember to call the FNB contact centre or visit your nearest branch to disable your banking functionality.

Where can I use Swoo Pay?

Swoo Pay works in stores where the contactless payment symbol is displayed. Not all point-of-sale terminals may be set up to accept contactless payments.

What happens if I can't complete my registration or don't receive an OTP?

Contact our support team via Secure Chat on the FNB App.

Why was my Swoo Pay transaction declined?

If a transaction is declined, contact the bank via Secure Chat on the FNB App.

Can I only use my virtual card for Swoo Pay?

Swoo Pay is available to all SA bank cards (virtual and physical), excluding Petro and Auto cards. A virtual card remains the preferred option to load onto a supported digital wallet, offering enhanced security features and higher eBucks rewards.

Is Swoo Pay supported outside my country?

Yes, Swoo Pay can be used everywhere. Just be on the lookout for the contactless payment symbol.

Does my device need internet access to Tap and Pay?

No, the payment will work most of the time even when the device is not connected to the internet, but this is limited for security purposes. If the device is offline for too long or you make too many transactions, then Swoo Pay will stop working until you are connected again.

Does my device need internet access when registering my bank card?

Yes.

How secure is Swoo Pay?

When you make a purchase, Swoo Pay uses a substituted version of your bank card number, ensuring it is never stored on your device or Swoo's servers. Additionally, your card details are never shared with merchants during payment. Swoo Pay works with biometric authentication (Face ID or Touch ID) or your device passcode. If your phone is lost or stolen, payments cannot be verified without these credentials.

What are the benefits of using virtual cards with Swoo Pay?

Virtual cards are only accessible via secure login to the FNB App. It is extremely difficult for fraudsters to compromise your card details without actively engaging in phishing or vishing tactics. Additional innovative security features, such as our dynamic CVV, further hinder fraudsters' attempts to target our customers. Virtual cards can also be created and activated instantly, allowing customers to maximise their eBucks rewards.

Not finding what you're looking for?

Contact our support team via Secure Chat on the FNB App.

Swoo Pay

Download the FNB App to add your virtual card, or request a call back and we'll help you get set up.

Get started

Need to know more or want to start the process? Let us call you back.

Title

First name

Surname

Contact number

Your message has been submitted

We will contact you within 2 working days (Monday to Friday). Your reference number is .

To follow up on this query, please contact us on 087 736 2247

Your details