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Source Reddit r/fintech reddit.com Forum
October 27, 2026 ai_technology fintech

Questions about SWIFT messaging, software, access requirements and costs

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Overview

Hi everyone! I’m trying to understand how SWIFT works beyond ordinary international bank transfers. I’m not a banking or IT expert, so I’d really appreciate some guidance from someone with hands-on experience. I’ve heard that SWIFT-related services may also allow businesses to exchange messages or files securely, even when those messages aren’t directly related to a payment. I have a few questions: Can two companies use SWIFT to exchange messages or files with each other, almost like a secure bu

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