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What is SWIFT?

SWIFT is that partner who provides you with a convenient, credible, and competitive path to a better life without any stress.

Behind every successful man is a SWIFT account. No nagging, no mood swings…. just wealth creation vibes!

Who can sign up to use the product?

Anyone who wants to build their wealth towards a successful future is eligible to sign up.

In fact, everyone eighteen years of age can own a SWIFT account. Minors (people under the age of eighteen years) can be signed up by their parents/guardians in trust for them.

How do I sign up to SWIFT?

Simply visit app.dalexswift.com to sign up.

Alternatively, you can dial *721# and follow the registration process. So go ahead and register now!

Not convinced? You can also speak to an agent by calling 721 or Whatsapp number 0556489260

What are the details I need to provide during the sign up?

You are to provide the following personal data:

  1. Phone number
  2. Name
  3. National ID
  4. Date of Birth
  5. Residential Address
  6. Occupation
  7. Hometown
  8. Next of Kin
  9. Address of Next of Kin
  10. Phone number of Next of Kin
  11. Security Question

Do I need to come to your office to sign up?

Oh! come on, why waste time traveling to our office when you can use your phone. Dalex SWIFT is fully digital.

 

How long will it take to sign up?

Typically, it takes less than five (2) minutes.

Even a bath takes longer.

 

Can I have multiple accounts?

SWIFT is not jealous! You can have as many as you want, however, each individual account will be linked to a different mobile number.

 

Can I invest for others?

Go ahead! select ‘third party’ when depositing and enter their phone number.

 

Can I sign up if I have no money at the time of sign up?

Hmm! one question we wish we could avoid.

Yes, you can, however it is expected that after signing up, you will make your first deposit to activate your account and earn interest.

How long can I invest?

You can invest for 12, 24, 36, 48 or 60 months.

 

How do I deposit into my account?

Good question, deposits can be made from your mobile money wallet (Mtn, Airtel, Tigo, and Vodafone), through Visa/Mastercard or by bank transfer.

Is there any charge on my investment?

Why would we do such a thing, there is absolutely no charge on your investment.

 

How many times can I withdraw money from my SWIFT account?

It’s always advisable to wait until your account matures before you redeem your funds.

If you still insist, kindly take a look at our redemption terms below.

Redemption Period Amount to be Received
Before 6 months Principal only
After 6 months Principal +Total Interest Earned for period

How long before I can redeem my investment?

You are expected to redeem your investment after maturity. However, if you would like to redeem/terminate your investment before maturity, you can only do this after 3 months.

This means you would receive only your principal without your interest.

What is the minimum amount to deposit?

There are no restrictions, you can contribute as much as you want. So go ahead and contribute that GHS 10,000.00 you are thinking of.

 

When can I redeem my investment?

You can redeem your investment when it matures. The maturity date is set at the start of the investment.

 

What is the minimum investment amount?

You start earning interest once you have at least Five Ghana Cedis (GH¢5.00) in your account.

How do I check the balance on my investment?

  • Dial*721# on your phone to receive the balance via SMS.
  • Log in to SWIFT mobile application or website: app.dalexswift.com
  • Call 721 or Whatsapp us on 0556489260

How much interest does my SWIFT investment earn?

You decide how much interest you earn depending on your account balance.

  • Accounts with balance less than GHS 3,000 earn 15% interest compounded p.a.
  • Accounts with balance greater than GHS 3,000 but less than GHS 7,000 earn 16% interest compounded p.a.
  • Accounts with balance greater than GHS 7,000 earn 17% interest compounded p.a.

The power is in your hands!

How is interest applied to my investment?

Interest is applied monthly to your investment (compound interest).

Is there a penalty on early termination?

No, there is no penalty on early termination before half the investment period. However, you are paid only your principal.

How long does it take to process an early termination?

It takes up to forty-eight (48) hours to process an early termination request.

Why should I invest my money in SWIFT?

It is safe:

  • Dalex Finance is a large well-established company that was voted the ‘2016 Business of the Year’ by the Ghana Economic Forum,
  • Dalex Finance is regulated by the Bank of Ghana.

 

It is convenient:

  • You can contribute any amount from the comfort of your mobile phone.
  • You can deposit your money easily through your mobile phone by mobile money or your Visa card/Mastercard.

 

It pays the best rates:

  • Your money grows more than the treasury bills rate.

How will I know when my investment has matured?

Upon maturity, a notification will be sent to you via SMS or through the SWIFT mobile application informing you of the amount invested and the interest earned.

 

Upon maturity of my investment, what happens to my funds?

You have the option to make:

  • Partial Redemption: Take part of your investment accrued and roll-over the rest
  • Total Redemption: Take your total investment accrued so far.

How long does it take to process my matured entitlements?

It takes a maximum of forty-eight (48) hours to process and pay your matured entitlements.

 

How do I roll-over my matured funds?

You can reinvest your funds by:

  • Calling our call centre on 721 or 0242435650
  • Making a request through our WhatsApp line 0556489260

Can I take a loan?

A customer can take a loan of not more than 80% of their invested amount. 

 

How long do I need to invest to qualify for a loan?

You need to contribute for at least three months, ensuring that your loan request constitutes 80% or less of amount invested.

 

How do I apply for a loan?

You can apply for a loan by:

  • Dialing *721#
  • Through the SWIFT mobile application, app.dalexswift.com
  • Call 721 or Whatsapp us on 0556489260

How long does it take to process a loan application?

It takes a maximum of twenty-four (48) hours to process and disburse your loan application if you meet the required conditions.

 

How much interest do I pay on a loan?

You pay a monthly interest of 2% on a loan.

Is there any charge (commission, processing fee) on disbursed loans?

No, there is no charge on disbursed loans.

 

How long can I repay a loan?

It cannot go beyond your investment term. Your investment acts as a collateral.

What happens if I have a month remaining on my investment and I need a loan?

You may need to extend your investment term or else you will be expected to repay the loan within the remaining period

Can I still invest when I have a loan?

Yes, you can still invest when you have a loan.

How often can I make a loan repayment?

Repaying of SWIFT loans may be daily, weekly, monthly or ad hoc in line with agreed terms.

 

How do I repay my SWIFT loan?

You can repay your SWIFT loan by using your mobile money wallet (Mtn, Tigo, Airtel and Vodafone), through mobile money merchants (Mtn, Tigo, Airtel and Vodafone).

How do I deposit into my account?

You can deposit into your account using Mobile Money wallet (MTN, Vodafone, Tigo & Airtel).

For MTN Users:

  1. Dial *721# on your phone
  2. Select option 1, ‘Make Deposit’
  3. Select option;
    1. ‘Self’ OR
    2. ‘Third Party’ (making contributions to another SWIFT account)
  4. Enter the amount
  5. Enter MM PIN
  6. Select option 1, ‘Yes’ to approve transaction.

 AirtelTigo Users:

  1. Dial *721# on your mobile phone
  2. Select option 1, ‘Make deposit’
  3. Select option;
    1. ‘Self’ OR
    2. ‘Third Party’ (making contributions to another SWIFT account)
  4. Enter the amount to deposit
  5. Enter mobile money PIN
  6. Select option 1, ‘Yes’, to approve transaction

 

For Vodafone Users:

  1. Dial *110#
  2. Choose option 4 make payment
  3. Choose option 4 “Generate Voucher”, then select “send”

You will receive a voucher code

  1. Dial *721#
  2. Select “Deposit”
  3. Select Self/Third party
  4. Enter Voucher Code
  5. Enter Amount and approve transaction

 

  • How do I check the balance on my investment?
  1. Dial *721#
  2. Choose option 2 to select “My Account”, then select “send”
  3. Choose option 1 to select “check balance”
  4. Enter your PIN, then select “send”

The balance on your investment will appear on your phone

  • How do I change my PIN?
  1. Dial *721#
  2. Choose option 2 to select “My Account”, then select “send”
  3. Choose option 3 then select “send”
  4. Enter old PIN, then select “send”
  5. Enter a new PIN, then select “send”
  6. Enter the new PIN again to confirm the new number

A message will appear indicating a successful PIN change

 

For Mobile App:

  1. Open the Dalex SWIFT app
  2. Go to REGISTER
  3. Enter customer’s phone number and click ‘verify number’
  4. An 8-digit code is sent to customers phone
  5. Enter the 8-digit code to verify customers phone number
  6. Enter customers 4digit Pin code to complete verification process
  7. Complete the registration form.

 

 

For SWIFT website:

  1. Go to www.dalexswift.com
  2. Click on ‘Sign up’
  3. Enter customers phone number and click ‘Register Phone number’
  4. An 8-digit verification code is sent to customers phone
  5. Enter the 8-digit code to verify customers phone number
  6. Enter customers 4digit Pin code to complete verification process
  7. Go to ‘My Account’
  8. Log into customers account with phone number and Pin code to complete registration.

How do I check the balance on my investment?

Mobile App

Visit app.dalexswift.com

Enter your pin

Click on dashboard

View your investment balance

USSD

1.Dial *721#

2.Choose option 2 to select “My Account”, then select

“send”

1.Choose option 1 to select “check balance”

2.Enter your PIN number, then select “send”

The balance on your investment will appear on your

phone

How do I change my PIN?

Mobile App

Visit app.dalexswift.com

Enter your pin

Click on setting button at the top right corner of the screen.

Select “CHANGE PIN”

Follow the prompts

USSD

1.Dial *721#

2.Choose option 2 to select “My Account”, then select “send”

3.Choose option 3 then select “send”

4.Enter old PIN, then select “send”

5.Enter new PIN, then select “send”

6.Enter new PIN again to confirm new number