Swoo App

What Swoo App does

Cardsmobile BV, operating under the brand Swoo, is a Netherlands-headquartered fintech (Amsterdam) that develops a consumer mobile wallet application. The product targets individual consumers seeking to consolidate loyalty cards, bank card details, receipts, and business cards into a single app, while also enabling tap-to-pay contactless payments via the Swoo Pay feature.

The Swoo app provides digital card storage with automatic image processing for photographed cards, peer-to-peer card sharing, and Swoo Pay — a tokenized NFC contactless payment capability that works with supported Mastercard and Visa cards on NFC-enabled phones. All user data is encrypted and stored only on the user's device; Swoo states it never accesses that data. The app is certified for compliance with PCI DSS, EMVco, Visa, and Mastercard standards for payment data exchange, supporting the Swoo Pay functionality across major card networks.

The business model is explicitly free to the end user with no disclosed pricing tiers, subscriptions, or transaction fees. Distribution is product-led and self-serve through three mobile app stores — Google Play, Apple App Store, and Huawei AppGallery — targeting individual consumers globally. The company is privately held at 51–100 employees, with no public funding rounds, revenue figures, or customer logos disclosed. A short-description reference to crypto rewards for transactions is not substantiated in the primary product material and may signal a future monetization layer rather than an active feature.

Name

Swoo App

Legal name

Cardsmobile BV

Website

https://swooapp.com

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

51–100 employees

Short description

Swoo App is a Dutch mobile wallet app that lets individual consumers store loyalty, bank, and business cards digitally, make NFC contactless payments via tokenized Mastercard/Visa, and share cards with friends. The app is free and distributed globally through mobile app stores.

Ownership category

akta.pro rank

Product category

Mobile Digital Wallet

NAICS

Sales Financing (52222)

SIC

Finance Services (6199)

akta.pro primary industry

Mobile Wallets (NFC Tap-to-Pay / HCE) (FSAMAEAB)

akta.pro secondary industries

Digital Wallet Infrastructure (Tokenization, Wallet-as-a-Service) (FSAMAEAI), In-App / Online Checkout Wallets (FSAMAEAH)

Keywords

• Mobile wallet app
• Contactless payments
• Loyalty card storage
• NFC payments
• Digital wallet

Headquarters

HQ city

Amsterdam

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Software

Cost components

Personnel, Technology or R&D, Marketing or Sales, Infrastructure, Operations

Revenue model

1. App Usage (Pre-Revenue / Free Model): Swoo App is currently free for all users with no disclosed revenue streams. The company may be operating on venture capital funding (parent company Cardsmobile BV) with potential future monetization through transaction fees on payments processed via Swoo Pay, premium features, or data services. No explicit revenue model is stated on the website.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels1 record

Core offering

Swoo is a free mobile wallet application that lets users store loyalty cards, bank card details, receipts, and business cards in a single place. Through its Swoo Pay feature, users tokenize Mastercard or Visa cards from supported banks to make contactless NFC payments worldwide. The app also allows users to share loyalty cards directly with friends.

Product overview

Swoo is a single, unified mobile wallet application that serves as a centralized platform for organizing and managing loyalty cards, bank cards, receipts, and business cards. The product consists of the core Swoo app which provides card storage and management, along with the Swoo Pay feature that enables contactless NFC payments worldwide. The app uses card tokenization technology to secure bank card details and stores all data encrypted on the user's device only.

Differentiator

Problem solved

Functional benefit

Products and services

• Swoo App A free mobile wallet application for individual consumers that consolidates loyalty cards, bank card details, receipts, and business cards in one place and enables contactless NFC payments via Swoo Pay using tokenized Mastercard or Visa cards. Available on Google Play, Apple App Store, and Huawei AppGallery.

Segments1 record

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

Four partnerships are on record, tiered core.

• PCI Security Standards CouncilcoreOthersSwoo App is certified for compliance with PCI DSS (Payment Card Industry Data Security Standard), which establishes security requirements for handling, processing, and storing payment card data. This certification is essential for any app handling bank card information and enables the Swoo Pay contactless payment functionality.
• EMVCocoreOthersEMVCo provides specifications and testing for payment technologies including contactless payments. Swoo App is EMVco-certified, ensuring its Tap to Pay functionality meets international standards for payment interoperability and security.
• VisacoreTechnology or IntegrationVisa has certified Swoo App for payment data exchange, enabling tokenized Visa cards to be used with Swoo Pay for contactless NFC payments globally. This integration allows Visa cardholders to add their cards to the Swoo wallet for Tap to Pay functionality.
• MastercardcoreTechnology or IntegrationMastercard has certified Swoo App for payment data exchange, enabling tokenized Mastercard cards to be used with Swoo Pay for contactless NFC payments globally. This integration allows Mastercard cardholders to add their cards to the Swoo wallet for Tap to Pay functionality.

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• PayPal: PayPal offers a digital wallet, contactless payments via QR and NFC, and integrations with loyalty programs. It is a broad incumbent with overlapping wallet, payment, and rewards functionality, though oriented more around online and account-to-account payments.
• Samsung Wallet: Samsung Wallet combines Samsung Pay's NFC payments with loyalty cards, tickets, and IDs on Galaxy devices. It is a device-maker incumbent with similar wallet functionalities to Swoo, pre-installed on a large global install base.
• Apple Wallet (Apple Pay): Apple's native mobile wallet is pre-installed on iPhones, supports loyalty cards, receipts, and NFC contactless payments via Apple Pay. It is the dominant incumbent Swoo competes against for both storage and Tap-to-Pay use cases.
• Google Wallet (Google Pay): Google's native Android wallet offers loyalty card storage, NFC payments, and broad merchant acceptance. It competes directly with Swoo on both the consumer storage and contactless payment use cases for the majority of global smartphone users.

Emerging players

• Shopmium: Shopmium delivers digital coupons, cashback, and loyalty rewards through a consumer mobile app. It overlaps with Swoo's rewards and discounts positioning, especially the 'get discounts' angle, though it does not offer NFC payments.
• Flipp: Flipp is a shopping app that aggregates retailer flyers, digital coupons, and loyalty offers. Comparable to Swoo's discount-discovery use case for consumers, though Flipp is a discovery/commerce platform rather than a card-holding wallet.
• Klarna: Klarna is a payment and shopping app combining BNPL, payments, and in-app deals/rewards. It is comparable to Swoo's rewards and checkout angle, though Klarna focuses on credit-led commerce rather than NFC Tap-to-Pay.

Direct peers

• Curve: Curve consolidates multiple payment cards into a single card and app, with contactless payments and card management. It is comparable to Swoo in unifying cards and enabling flexible NFC payments, though Curve leans more on issuing its own card.
• Stocard: Stocard is a mobile wallet focused on digitizing loyalty and membership cards with NFC payments support, directly comparable to Swoo's loyalty-storage and payments functionality. Both target consumers seeking a unified wallet for cards and rewards.

Others

• TrueLayer: TrueLayer provides open banking APIs for account-to-account payments and data connectivity. It is thematically adjacent as European fintech infrastructure that could enable Swoo's bank integrations and Swoo Pay tokenization workflows.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/swooapp
• LinkedInlinkedin.com/company/swooapp

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Swoo App