Swish itself charges nothing. What you pay is the fee charged by whichever privacy protocol routes your transaction. Withdrawals are gas-sponsored by Swish — completely free.
Per-protocol fees
The base Privacy Cash fee is 0.006 SOL converted to USDC at the live SOL/USD price (via the Pyth Network).
Umbra charges in two legs — ~0.35% when you send and ~0.35% when the recipient unshields. A Send & Claim routed through Umbra bundles both legs (~0.7%) at claim time.
Auto route
When you use the default Auto picker, Swish picks the cheapest viable protocol. Typically:
- MagicBlock — for sends to recipients who aren’t on Umbra (0.1%)
- Umbra — when both sender and recipient are Umbra-registered (~0.35% per leg)
- Privacy Cash — final fallback if neither is available
Where fees are shown
Every transaction modal shows a complete fee breakdown before you confirm — including the exact amount the recipient receives after fees and which protocol the transaction is routed through. You always know what you’re paying before you approve.
Withdrawals
Withdrawals are free. Swish sponsors the gas fee for all withdrawals. Note that withdrawals are not private — they’re standard USDC transfers on Solana. 
