Swipey AI review: what it is, how it works and whether it’s worth it
Reviewed · Updated
Quick answer
Swipey AI is worth a free account for its chat: it scored 7.1/10, with an Excellent memory result on 10/17/2026. The free Hearts ran out after 10 messages. Check the billing before you pay: the pricing page, the help center, and the payment page name the statement charge three ways. More: Swipey AI’s free tier, limit by limit.
- Summary
- What we checked
- How we scored Swipey AI
- What is Swipey AI and who makes it
- Chat quality and memory: our test
- Swipey AI pricing at a glance
- Free plan
- Characters and customization
- Images, voice and video
- Age, payments, privacy and cancellation
- Is Swipey AI safe and legit?
- Is there a Swipey AI app?
- Who it’s for (and who should skip it)
- What I’d change
- Swipey AI alternatives
- FAQ
Summary
- My free account got 20 Hearts, each message cost 2, and the 11th message brought a paywall (10/17/2026).
- In the memory test, the character named me and my city at message 5, in character.
- Checkout showed $14.99, $35.99, or $71.99, each renewing at the same amount, from a Tanzanian network.
- The pricing page’s “$5.99 / month” was the 12-month plan, charged at once, next to the words “Billed monthly.”
- There was no safe-mode switch and no in-chat notice that the character is AI.
- Swipey AI has a final score, so it appears in our AI girlfriend ranking.
What we checked
- Test account: free account opened 10/17/2026.
- Checkout: opened up to the payment page, not paid.
- Swipey AI’s pages read 10/14/2026: pricing page, Terms of Service, Privacy Policy, homepage, help center.
- Reviews read 10/15/2026: 39 Trustpilot reviews, Reddit not read.
- Not checked: Images, voice and video, as the free Hearts went on messages. The cancel flow, which needs a paid plan. Prices from a US network, as the session ran from Tanzania.
How we scored Swipey AI
Swipey AI scored 7.1/10, carried by its memory result. I used a free account opened on 10/17/2026. The method behind Swipey AI’s score is the same for every app.
- Chat quality and memory: 9.5/10. The memory script got an Excellent grade.
- Price and free plan: 6.3/10. The checkout stated the renewal, but the pricing page’s monthly figure was a yearly plan.
- Characters and customization: 6.0/10. A free character creator and a library of characters worked on the free tier.
- Images, voice and video: 4.0/10. The free Hearts went on messages, so I couldn’t try media.
- Billing, privacy and cancellation: 7.5/10. Deletion is in settings, but the statement name differs across Swipey AI’s own pages.
- Age checks and content rules: 7.5/10. The rules are published, but the age check is one click and the chat has no AI label.
| Axis | Weight | Score |
|---|---|---|
| Chat quality and memory | 30% | 9.5 |
| Price and free plan | 20% | 6.3 |
| Characters and customization | 15% | 6.0 |
| Images, voice and video | 15% | 4.0 |
| Billing, privacy and cancellation | 15% | 7.5 |
| Age checks and content rules | 5% | 7.5 |
| Total | 100% | 7.1 |
What is Swipey AI and who makes it
Swipey AI is a browser-based AI companion site: you chat with ready-made or custom characters, and pay with a subscription and “Hearts” for messages and media. The menu also has a feed, duels, and a rewards page.
The company is INVAI LTD, registered in Nicosia, Cyprus, per the Terms. The Terms set Cypriot law and courts. A payments company called Swipey is unrelated, as Swipey AI’s help center points out.
Chat quality and memory: our test
Swipey AI got an Excellent grade: at message 5, the character answered “You are Jordan and you live in Denver, right?” and stayed in character. The script gives a name and a city in the first two messages and asks for both at message 5.
Each reply had a play button for a voice reading and thumbs up or down, but no regenerate button. The chat opened with a line saying the conversation “will remain completely private.”
Swipey AI pricing at a glance
In my test account on 10/17/2026, from Tanzania, checkout showed $71.99 for 12 months, $35.99 for 3 months, and $14.99 for 1 month. Each payment page said the plan renews at the same amount. From a US network on 10/15/2026, the pricing page showed $7.99/mo, which was the 12-month plan billed $95.99.
| Plan | Per month | Billed | Renews at | Tokens / credits | What it unlocks |
|---|---|---|---|---|---|
| Premium, 12 months | $5.99/mo | $71.99 every 12 months | same price | +300 bonus Hearts | Unlimited chat messages, 200 tokens a month |
| Premium, 3 months | $12/mo | $35.99 every 3 months | same price | +200 bonus Hearts | Same as 12 months |
| Premium, 1 month | $14.99/mo | $14.99 every month | same price | +200 bonus Hearts | Same as 12 months |
Prices checked 10/17/2026 on Swipey AI’s site. Plus tax where applicable.
That $5.99 / month on the pricing page equals the 12-month total divided by 12, but the page also says “Billed monthly.” The header carried an “85% OFF” offer with a countdown that restarted.
Free plan
Swipey AI’s free tier is permanent and runs on Hearts: my account got 20 at sign-up, and each message cost 2. The 11th message brought a paywall, so the free tier covered 10 replies (10/17/2026). The details: how far Swipey AI’s free messages go.
Sign-up took an email and a five-digit code, with no password, card, or captcha. Other apps with a free tier: free AI girlfriend apps.
Characters and customization
The character creator is free and runs in four steps: identity, appearance, personality, and scenario. For the test, I used a ready-made character, a 22-year-old bartender. I found no way to regenerate or edit a reply.
Images, voice and video
I couldn’t try images or video, because all 20 free Hearts went on messages. The chat offers images, 10-second videos, and calls, but showed no Hearts price for them before spending.
Age, payments, privacy and cancellation
I check the same seven things on every AI companion site, and the results go into the AI Companion Fine Print Index.
What you actually pay (checked 10/17/2026)
From a US network on 10/15/2026, the pricing page showed $7.99/mo, which is the 12-month plan billed $95.99. In my test account on 10/17/2026, from Tanzania, checkout showed $14.99 for 1 month, $35.99 for 3 months, and $71.99 for 12 months. Each renews at the same amount, with no tax line. The Tanzania prices aren’t confirmed for the US.
The 1-month checkout came to $14.99, with “Premium renews at $14.99 after 1 month” and no tax line. I opened it from Tanzania on 10/17/2026, and a US checkout wasn’t seen.
What’s free, and where the paywall starts
Sign-up took an email code, with no password and no card. My free account got 20 Hearts, and each message cost 2, so 10 messages were answered on 10/17/2026. The 11th brought a paywall.
How you pay and what shows on your bank statement
The payment page on 10/17/2026, run by Upgate, took cards, Apple Pay, and Google Pay. It says the charge will show as “Swipey AI.” The pricing page promises a neutral merchant name, and the help center says SWIPEY.AI or INVAI LTD.
The payment page, run by Upgate, took cards, Apple Pay, and Google Pay, and said the charge shows as “Swipey AI.” The pricing page promises a neutral merchant name instead.
How to cancel (and whether you get a refund)
Cancel in your account under Settings > Subscription > Current Plan (a stay offer may appear), or by email. The Terms say all purchases are final. The help center says refund requests are reviewed case by case.
The pricing page says you cancel under Account Settings, then Subscription, in one click. My free account had no subscription, so I couldn’t try it (10/17/2026). The Terms call all purchases final, while the help center reviews refund requests case by case.
How it checks your age
A click-through 18+ gate appears on the first visit, with no date of birth, card, or ID (10/17/2026, Tanzania network). The payment page repeats the 18+ confirmation. UK users go through Ondato (selfie, age estimate, or ID).
The first visit opened a “Swipey Contains Adult AI Content” window, and one click on “I’m 18+” was enough (10/17/2026). The payment page asks you to confirm your age again.
What happens to your chats and photos
Swipey’s Privacy Policy doesn’t mention training models on chats. The Terms license your input to improve the service. In my test account on 10/17/2026, Delete Profile said deletion is permanent and blocks the email for 48 hours. The Privacy Policy usually keeps personal data for 6 years after the account is closed.
“Delete Profile” sits in Settings, and the window says deletion is permanent and blocks the email for 48 hours. Settings had no safe-mode switch, and the newsletter box was already ticked.
The Privacy Policy usually keeps personal data for 6 years after the account is closed. More on data across apps: AI girlfriend apps and your data.
What it allows and what it bans
Bans anything involving minors or people who look underage, incest, non-consent, real people without consent, and deepfakes. In 11 messages on 10/17/2026 I saw no in-chat note that you’re talking to an AI. The chat opens with a line that it “will remain completely private.”
Swipey AI’s rules ban content involving minors or people who look underage, non-consent, and real people without consent. The Terms say you are talking to an AI, but in 11 messages I saw no such note in the chat.
How Swipey AI compares in the AI Companion Fine Print Index →
Is Swipey AI safe and legit?
Swipey AI is run by a registered Cypriot company, states the renewal at checkout, and lets you delete your profile in settings. Two facts deserve attention: its own pages disagree on the statement name, and the chat has no AI label or safe mode.
- Company: INVAI LTD, Nicosia, Cyprus.
- Statement name: “Swipey AI” on the payment page; other names on the pricing page and in the help center.
- Age check: one click, repeated at checkout.
- Refunds: final per the Terms, case by case per the help center.
What other users say
On Trustpilot, Swipey AI had 39 reviews and a TrustScore of 3.0/5 on 10/15/2026, and I read 38 of them.
- “They keep charging my credit card $39.99” (08/06/2026).
- “Canceled my sub, they took the payment anyways” (07/04/2026).
- “The cost of all of the unlocks is insane” (08/06/2026).
I couldn’t read Reddit: it blocked my session network, and I found no archived threads about Swipey AI. I didn’t verify each case.
Is there a Swipey AI app?
There was no Swipey AI app in the App Store or Google Play on 10/14/2026, and its help center says it runs in your browser. A Google Play app named Swipey belongs to an unrelated payments company.
More on companions and app stores: the app-store question, answered.
Who it’s for (and who should skip it)
Swipey AI fits these cases:
- You want a character that remembers what you said a few messages back.
- You want to see the renewal amount at checkout.
- You want to build a character for free.
Skip it, or plan around it, in these cases:
- You want a safe-mode switch or an in-chat AI label.
- You want one clear statement name.
- You want to try images or video for free.
If you subscribe, read the total on the payment page, not the per-month figure on the pricing page.
What I’d change
- Make the pricing page match the checkout on how often you’re billed.
- Use one statement name across all pages.
- Add a safe-mode switch and an in-chat AI label.
- Leave the newsletter box unticked by default.
Swipey AI alternatives
GirlfriendGPT and Lovescape handle the free tier and billing differently, by their own pages and my runs.
GirlfriendGPT scored 8.5/10, and it starts new accounts with NSFW off and Safe Mode on (10/17/2026). The details: our full GirlfriendGPT review.
Lovescape prints the billed total on every plan card, from $95.88/yr for Premium. More in the Lovescape review.
FAQ
Is Swipey AI safe?
Swipey AI publishes its company and rules and lets you delete your profile in settings, which I saw on 10/17/2026. Its Privacy Policy doesn’t mention training models on chats, while the Terms license your input to improve the service. Age confirmation was one click, and there was no safe-mode switch.
Is Swipey AI legit or a scam?
Swipey AI is run by INVAI LTD, a company registered in Cyprus, per its Terms. The payment page went through the processor Upgate on 10/17/2026. On Trustpilot, Swipey AI had 39 reviews and a TrustScore of 3.0/5 on 10/15/2026, with complaints about recurring charges. A payments app called Swipey is a different company.
Is Swipey AI free?
Yes, Swipey AI has a permanent free tier, paid in “Hearts.” My account got 20 Hearts on 10/17/2026, each message cost 2, and the 11th message brought a paywall with plans priced per day. Sign-up took an email code, with no card or password.
How much does Swipey AI cost?
In my test account on 10/17/2026, checkout showed $14.99 for 1 month, $35.99 for 3 months, and $71.99 for 12 months, each renewing at the same amount. That session ran from Tanzania. From a US network on 10/15/2026, the pricing page showed $7.99/mo, which was the 12-month plan billed $95.99.
What shows on my bank statement?
The payment page I opened on 10/17/2026 said the charge shows as “Swipey AI.” The pricing page promises “a neutral merchant name, not Swipey,” and the help center names SWIPEY.AI or INVAI LTD. I didn’t pay, so the real statement line was not verified (requires a paid plan), as of 10/17/2026.
How do I delete my Swipey AI account?
Open Settings and use “Delete Profile.” In my test account on 10/17/2026, the window said the deletion is permanent and that you can’t sign up again with the same email for 48 hours. You confirm by typing your email. I pressed Cancel, so I didn’t see what follows.