What are the top-up and purchase limits for TWINT prepaid?

Account balance and transfers

Due to the regulatory requirements set by the Swiss Financial Market Supervisory Authority (FINMA), a maximum amount of CHF 5000 is permitted to be available in a TWINT prepaid account. Top-ups and incoming payments that would cause this limit to be exceeded are not permitted and will be cancelled.

There is a limit of CHF 5000 per year for payments/transfers made from the TWINT prepaid app to bank accounts in the user’s name.

Incoming payment limits (total)

Users from 12 and under 15 years can receive or top up a maximum total of CHF 100 per month.

Users from 15 and under 18 years can receive or top up a maximum total of CHF 500 per month.

Users from 18 years and older can receive or top up a maximum total of CHF 10,000 per month, whereby the account balance limit must not be exceeded. For example: With an initial starting account balance of CHF 0, these users can theoretically top up CHF 5000 within a single month, spend this money and then top up another CHF 5000 in the same month.

Money transfers between TWINT users

The sending and receiving of money between TWINT users (referred to as P2P payments) are also subject to set limits that are dependent on whether their place of residence is in Switzerland or abroad.

Users whose place of residence is in Switzerland:

A maximum of CHF 1000 can be sent to other users each month, with the maximum amount that can be sent per year being CHF 5000.

A maximum of CHF 1000 can be received from other users each month, with the maximum amount that can be received per year being CHF 5000, taking into account the incoming payment limits (total) for the respective age groups and the account balance limit.

Users whose place of residence is abroad:

A maximum of CHF 500 can be sent to other users each month, with the maximum amount that can be sent per year being CHF 3000.

A maximum of CHF 500 can be received from other users each month, with the maximum amount that can be received per year being CHF 3000, taking into account the incoming payment limits (total) for the respective age groups and the account balance limit.

Limits for top-ups made via direct debit, deposit slips and credit codes

The following limits apply for top-ups made via direct debit (LSV), deposit slips (ESR) and credit codes (vouchers):

Users aged between 12 and 15 can top up a maximum of CHF 100 per month via direct debit, deposit slips and credit codes, whereby the incoming payment limits (total) and the voucher code limits (see below) must not be exceeded.

Users aged between 15 and 17 can top up a maximum of CHF 500 per month via direct debit, deposit slips and credit codes, whereby the incoming payment limits (total) and the voucher code limits (see below) must not be exceeded.

Users older than 18 can top up a maximum of CHF 10,000 per month via direct debit, deposit slips and credit codes, whereby the incoming payment limits (total) and the voucher code limits (see below) must not be exceeded.

Credit code limits

A maximum of CHF 1500 per day
A maximum of CHF 5000 per year

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The following questions and answers relate to TWINT in general. If you have questions regarding your bank’s TWINT app, please contact your bank.