Safest way to build credit and banking in the US for Indian expats

Whether it's banking, building credit, getting a US SIM card, or sending money abroad - Swadesh can it do it all.


The Safest way to build your credit score in the US

No credit checks to apply, you can start building your credit score for free with everyday purchases!

No annual fees

No interest rates

No security deposit

Mastercard powered credit card which builds your credit
Our banking app built for Indian international students moving to America

Powerful Bank account you can open from India in under 5 minutes

US checking account built for you and your needs

No annual fees

No minimum balance

Onboard with just your Passport & Visa

Frequently Asked Questions

If you have any questions that are not listed here, please reach out to us at

What is Swadesh?

Swadesh is a Y Combinator-backed neobank for Indian students and immigrants heading to the United States.We allow you to get an FDIC insured US Bank account before you event set foot in America!You can start using our virtual card as soon as you land in the US and get your physical debit card delivered as soon as you settle down!

How does Swadesh make migration easier for me?

With a Swadesh account, you can:
1. Save lakhs of rupees on international transfers
2. Get a permanent SIM card delivered to India
3. Open and fund a US checking account from India
4. Build your credit score without any security deposit or interest

How safe is Swadesh?

All our bank accounts are insured upto $250,000 so you can rest assured that your money is in safe hands!