Rolling reserve

When using SEPA Direct Debit B2B to fund your account, Swan reserves 100% of your transaction for three business days, after which the reserved amount is released to your account. Reserved funds are typically released around 20:00 Central European [Summer] Time (CET/CEST) on the last day of the rolling reserve period. Query the API for an account funding transaction release date.

How it works

Rolling reserve is a policy through which Swan holds a certain percentage of the total transaction amount for a contractually predetermined amount of time.

Swan applies rolling reserve to certain types of transactions (largely pull payment methods, such as direct debit and card transactions) to protect users and Swan against various risk factors, such as insufficient funds and attempted fraud. The reserved amount acts as a safety net to cover potential loss for both Swan and users.

Rolling reserve is expressed as a percentage over a period of time. For example, assume rolling reserve is 20% of the transaction amount held for 30 business days. Consider the following example:

A direct debit transaction for €150 is made and requires rolling reserve.
Swan reserves, or holds back, €30 for 30 business days, and €30 is added to the Reserved account balance.
After 30 business days, the €30 is added to the Available account balance and can be used.

Rolling reserve timelines follow general SEPA availability.

The TransactionRollingReserve.Updated and TransactionRollingReserve.Released webhooks notify you when a rolling reserve is updated or released. Subscribe to both webhooks to stay updated on your transactions' rolling reserve.