Why are there different versions of the TWINT app?

Many Swiss banks offer their own version of the TWINT app. Clients of these banks can connect TWINT directly to their bank account and, in some cases, also to their credit card. When they make payments with TWINT, the amount is debited directly to their bank account or credit card. Those who do not wish to make use of this convenient debit or credit function, or who do not have an account with the relevant bank, can continue to use the prepaid TWINT app with the ‘Top up credit’ function.

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