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SWIFT Terms & Conditions

Introduction: SWIFT


  • SWIFT is a contributory investment scheme which allows you to make regular deposits from the convenience of your phone.
  • You can make deposits daily, weekly, monthly, or ad hoc.
  • Deposits of any amount from GH₵ 5.00 and above.
  • Your account number is the same as your phone number
  • You earn interest on total deposits made after every month (15% per annum i.e. 1.25% per month)


Introduction: Terms & Conditions

  1. These terms and conditions shall govern your use of SWIFT.
  2. By using SWIFT, you accept these terms and conditions in full; accordingly, if you disagree with these terms and conditions or any part of these terms and conditions, you must not use our product SWIFT.
  3. You must be at least [18] years of age to use our product; by using SWIFT or agreeing to these terms and conditions, you warrant and represent to us that you are at least [18] years of age. If younger than 18 years your next of Kin should be a parent or guardian.


SWIFT Redemption

  • You cannot redeem your investment until you invest with SWIFT for a 3-month period.
  • In the case where you redeem your investment before half of your investment tenure, you only receive your principal. i.e. 1-year investment period will receive accrued interest only after 6 months and above.
  • All deposits made by Dalex Finance & Leasing Company onto individual Clients SWIFT Accounts cannot be redeemed until 6 months. i.e. prizes, sponsorships, gifts or promotions
  • In the case where, client has reached the 6-month period, he/she cannot redeem deposited amount if he/she has not made a top-up deposit of up to GHC100.



  • A client is entitled to a loan only after 3 months of investing with SWIFT
  • A loan should be paid back in full before investment matures.
  • In the case where client does not pay back his/her loan before maturity, this would be deducted from their investment before investment is redeemed.
  • SWIFT Loans are paid back with 2% interest per month.
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Kojo Nimo

Adwoa | Executive Customer Relations

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