Where am I going to put that money? If you are not sure, don’t worry—I’ve not been there but can help guide you through it one step at the time.
I have done it already, so I will be providing both the “how-to” and my individual tips, some of the challenges I encountered and the workarounds I did for them. This way, you not only save time, but also do not fall into the traps that I myself met.
How to transfer swiggy money to bank account
Let’s Start with the Basics: Can You Even Transfer Swiggy Money?
To begin with, it’s important to understand that Swiggy Money is far from simply cash in a bank account. It’s more like a store credit that you have to spend on Swiggy orders only. That is, it cannot be directly transferred to your bank, for example, as you would with a wallet such as Paytm or Google Pay.
Now comes the interesting part. Although Swiggy will not permit you to take the cash out, there are some clever and legit means of utilizing the same. No, I am not talking about hacking into the system; it is all about smart, practical solutions that I have personally tried.
My Experience: The Day I Needed That Money
I had ₹500 in my Swiggy wallet that wasn’t available to be used outside the app. Frustrating, right?
But I didn’t give up. I searched a little, experimented a bit, and it worked.
How to Transfer Swiggy Money to Your Bank Account
Here’s what worked for me: Here’s what worked for me:
Option 1: Use Swiggy Money Indirectly
As you can not transfer Swiggy Money directly to your bank, it is one of the ways Swiggy Money can be used, is to order Swiggy and keep your actual cash for other purposes. For instance:
Grocery or essentials order through Swiggy Instamart.
Get your family dinner using Swiggy Money and get the same amount of money from them in cash. I have experienced this working with friends in private group orders—surprisingly successful!
Option 2- Refund Loophole (Only in Certain Situations)
When you get Swiggy Money back as a refund of a cancelled order or an overcharge, you can request Swiggy to reimburse it on your original payment method. I experienced this life event once, when the restaurant rescinded my order for money even after I had already paid. I contacted Swiggy customer support (via chat) wanting to get a refund to my bank account, rather than refunding to Swiggy Money.
It worked because: It worked because:
The refund arose out of service problem, and.
I explained why at that moment Swiggy Money could not be of use.
Here is exactly what I wrote: Here is exactly what I wrote:
Hi Swiggy team, Thanks for the refund, but I do not use Swiggy frequently enough to benefit from Swiggy Money. Please process this refund back to my bank account. I paid using [payment method, e.g., UPI) on this order.
The key is to be courteous and explain the reason for asking for a refund in your bank.
Option 3: Trading Deals with Friends
If you know some friends or family members of Swiggy, you can place food orders on Swiggy by using Swiggy Money. Then they will repay you in cash or bank account transfer. This has been useful for my cousin who has late-night Swiggy eating habits.
How to Check Your Swiggy Money Balance
It is also essential to determine whether you actually have Swiggy Money, and how it can be accessed. Please follow these steps:
Tap on the Swiggy app.
Tap on profile icon on the top-right corner.
Select Swiggy Money from the menu list.
Verify your balance and if one exists, log its expiry date.
Sometimes the Swiggy Money has an expiration date so be sure to use it before they disappear.
Common Questions That I Have Faced
Can I transfer Swiggy Money to Paytm or another wallet?
Unfortunately, no. Swiggy Money can not be transferred to a third party wallets; it is also available only in the Swiggy app.
What if Swiggy does not credit my refund to my account?
If the customer support team still doesn’t budge, you can try sending an email to their grievance redressal team. Be assertive and polite, and provide screenshots or proof of the transaction.
Is it worth utilizing Swiggy Money for buying groceries?
Absolutely! I have used Swiggy Instamart to buy essentials like milk, bread, and even toiletries when I couldn’t go out. It’s very convenient and helps you make optimum use of your Swiggy Money.
Why it Matters
I get it—this might seem like a small problem, but when you’re juggling budgets or dealing with unexpected expenses, every rupee counts. Getting the best value out of your Swiggy Money can really save the day for people who are students, freelancers, or on a tight budget.
My Final Thoughts
Thus, if you don’t want to move Swiggy money directly to your checking account, then there are practical solutions that you can use. Whether it is taking advantage of refunds, swapping offers with friends or using Swiggy Instamart, the balance will work in your favor.
If there’s one thing I’ve learned, it’s that persistence pays off. Feel free to contact Swiggy’s support team, ask anything, and be creative. And remember—next time, if you’d rather have a refund go directly to your bank, request it upfront when the issue occurs.
I hope this experience helps you navigate this situation with more confidence. Do you have any other tips or questions? Let me know—I’d love to hear your stories too!
Read Also : Deactivate my Swiggy Money Wallet
