Your Swipee balance
What sits in your balance, what is available to withdraw, and what is temporarily held.
Updated 21 August 2026
Your Swipee balance holds money from payments Swipee processed for you. It is shown in the app on the home screen and in the dashboard on the overview.
The three numbers
| Number | What it means |
|---|---|
| Balance | Everything in your account |
| Available | What you can cash out right now |
| Locked | Money reserved against a cash-out already in progress |
Available plus locked always equals your balance.
Why money gets locked
When you start a cash-out, Swipee reserves that amount immediately so it cannot be spent twice while the agent is on the way. If the cash-out completes, the locked amount leaves your balance. If it expires or fails, the money returns to available — you do not need to do anything.
What does and does not reach your balance
| Sale type | Reaches your balance? |
|---|---|
| Cash | No — you were handed the money directly |
| Mobile money recorded in Swipee | No — the money went to your own wallet |
| A payment Swipee processed on a live rail | Yes, net of the fee |
Because Swipee is in pilot and no live rails are connected yet, most merchants see a balance that stays at zero while their sales history fills up. That is expected, and it is explained in What works today and what is still a prototype.
Balance history
Open Wallet history to see every credit and debit against your balance, with the transaction each one came from. Credits are payments in; debits are cash-outs and fees.
Next steps
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