The following questions and answers relate to TWINT in general. If you have questions regarding your bank’s TWINT app, please contact your bank.
TWINT is Switzerland’s digital wallet. Whether you are shopping, paying for a meal in a restaurant, wanting to make a purchase from a vending machine or browsing an online shop: With TWINT you can make convenient and secure payments using your smartphone and at the same time take advantage of attractive benefits and discounts. TWINT also allows you to send money directly to the smartphones of your friends and family. A further practical function of TWINT: You can store customer loyalty cards and membership cards digitally in the app.
In addition to the TWINT prepaid app, there are various TWINT apps offered by Swiss banks and these are being added to on an ongoing basis. You can find an overview of all TWINT apps at twint.ch.
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.
Yes, this is possible. You can install and use more than one TWINT app on the same smartphone. Please note that each ‘Send and request money’ function only works with the most recently downloaded TWINT app.
If you would like to use your bank’s TWINT app, you are required to register. This applies even if you have used the TWINT prepaid app until now. It is not possible to log into a new TWINT app using your existing access data. Please register again so that you can use your bank’s TWINT app.
- Make simple and convenient payments – regardless of whether you are at a shop cash register, paying for a meal in a restaurant, browsing an online shop or wanting to make a purchase from a vending machine.
- Send money to friends and also receive money from them.
- Discounts and exclusive benefits thanks to digital coupons.
- Digital stamp cards that reward loyal customers. Save customer loyalty cards in the app and automatically take advantage of the relevant benefits with every payment.
- Compatible with the most popular Android and iOS smartphones.
- Secure data thanks to data storage in Switzerland.
You require a smartphone with the iOS (from iPhone 4S and iOS 9) or Android (from version 4.4) operating system and Bluetooth function (from version 4.0).
TWINT works with every telecommunications provider.
You can download the desired TWINT app free of charge from the app stores.
If you use your bank’s TWINT app, you can link TWINT to your bank account in a simple manner or save your credit card. When you make payments with TWINT, the purchase amount will be debited directly to your bank account or credit card.
When you use the TWINT prepaid app you can top up credit in your app.
You can make convenient payments with TWINT at cash registers and vending machines as well as in online and app shops. Acceptance points can be identified by the TWINT logo.
You can make payments at a cash register in a convenient and simple manner:
- Cash register with TWINT Beacon: Ensure that the Bluetooth function and location services (the latter only from Android 6) have been activated. Open the TWINT app with fingerprint recognition or your PIN code and select ‘Pay now’. Briefly hold your smartphone up to the TWINT Beacon.
- Cash register without TWINT Beacon: Open the TWINT app and select the QR code symbol. Point your smartphone camera at the QR code that is displayed to you.
- After the payment has been successfully made, you will see a confirmation in the app.
Inform the cashier that you would like to pay using TWINT. Check whether your smartphone’s Bluetooth function has been activated. Hold the smartphone in front of the Beacon at a distance of five to ten centimetres, open the app and make the payment. It may be the case that a WLAN signal is causing problems. Deactivate the WLAN signal on your smartphone and try again.
How it works:
- In the online shop, select “TWINT” as the payment method. You will be shown a QR code and a five-digit payment code.
- Open the app with fingerprint recognition or your PIN code and select the QR code symbol in the bottom right corner. Either point your smartphone camera at the QR code or enter the payment code.
- Confirm the amount by selecting “OK”.
Yes, it is possible to make offline payments at cash registers with a TWINT Beacon.
No, it is not currently possible to make payments outside Switzerland.
No, you can only make payments with TWINT in Swiss francs.
Yes, you can view all of your payments at any time under the “Statement entries” menu item.
TWINT does not have any detailed data relating to your purchases. For this reason, we can only show you the place of purchase and the purchase amount.
No, these details cannot be used as a guarantee receipt or as a substitute for the sales receipt. They are merely provided to enable you to keep an overview of your spending.
Send and request money
It is possible to send money to somebody even if they do not yet have TWINT. The relevant amount will be reserved for four days until the recipient registers with TWINT.
You cannot request money from individuals who do not have TWINT.
Yes, you can. All of the different TWINT apps are connected to one another.
You can accept the request and send the money. Or you can reject the request. Select “Statement entries” in the main menu. You can accept and reject individual requests here.
You can write text messages of up to 400 characters. You also have the option to add an image: Simply select the image from your gallery or take a new photo.
No, this is generally not possible. Exception: If you have sent money to a person who does not yet have TWINT, you can cancel the transfer under the “Statement entries” menu item. Is it possible to cancel a money transfer?
Yes, it is possible. You can withdraw the request under the ‘Statement entries’ menu item.
A coupon is a discount or price saving offered to you by a merchant directly in the TWINT app. All currently available coupons can be found under “Offers”. If you would like to use a coupon, select “Activate”. This is the only way to make sure you benefit (usually automatically) from the relevant discount the next time you make a payment.
A cashback coupon is a cash-back offer made by a merchant directly in the TWINT app. The currently available cashback coupons can be found under ‘Offers’. If you would like to use a coupon, select ‘Activate’. Only in this way will you automatically receive cash back the next time you make a purchase with the relevant merchant.
A stamp card is a digital reward card that you can save directly in the TWINT app. If you make a payment with TWINT and have collected the required number of stamps, you will receive a free product or price saving from the merchant.
When you register, you can specify if coupons and stamp cards should be displayed in your app. You can change this setting at any time under the menu item ‘More’ > ‘Conditions of use’ > ‘Third-party offers’. If you do not wish to receive offers from third parties, coupons and stamp cards will not be displayed to you any more.
You can save customer loyalty cards (e.g. the Coop Supercard or TCS membership card) under the menu item “Offers” > “Cards”.
UBS TWINT app: in the ‘Customer loyalty cards’ menu, select the ‘Save’ option.
ZKB TWINT app in the ‘Customer loyalty cards’ menu, select the ‘Add card’ option.
In general, your cards will be displayed to the merchant and you will automatically take advantage of the relevant benefits when you pay with TWINT. Cards that require presentation are an exception here. Please open these in the TWINT app and present them to the merchant.
Yes, you can save each customer loyalty card in each TWINT app installed on your smartphone.
UBS TWINT app: In the ‘Customer loyalty cards’ menu, select the ‘Save’ option. Then select ‘Coop Supercard’ and ‘Continue’.
ZKB TWINT app: in the ‘Customer loyalty cards’ menu, select the ‘Add card’ option. Select ‘Coop Supercard’.
All other TWINT apps: In the ‘Offers’ menu, select the ‘Cards’ tab. Then select ‘Coop Supercard’ and ‘Save card’.
In order to save your Coop Supercard, you require your card number and the four-digit Supercard PIN. If you do not know your Supercard PIN: Go to supercard.ch and click on ‘Login’ in the top right. You can now log in with your Supercard ID (e-mail address and password) or create a new Supercard ID. After logging in, choose a new PIN by clicking on ‘My account’ and then selecting ‘My personal data’ > ‘Change’. Save your changes and enter your new Supercard PIN in the app.
The following questions and answers refer to the TWINT Prepaid app (‘Top up credit’).
There are three ways to top up your credit:
- via your bank account
- via a deposit slip
- via a credit code
If you have insufficient credit for a purchase, part of the purchase amount will be paid with TWINT. You can settle the remaining amount using another payment method.
You can top up credit of up to CHF 10,000 per month. Using credit codes, you can top up to CHF 5000 per year. Your credit balance in the TWINT prepaid app cannot exceed CHF 5000.
Young people under 15 years of age can top up a maximum of CHF 100 per month. Young people aged between 15 and 18 can top up a maximum of CHF 500 per month.
Under the “Top up credit” menu, select “Bank account”. You can connect your account here on a one-time basis.
First, connect your account on a one-time basis. Select your account in the “Top up credit” menu. Enter the desired amount and confirm by selecting “Top up credit now”.
If you are at least 18 years of age and deemed creditworthy, an amount of up to CHF 200 will be credited to you immediately. Otherwise, the desired amount will be made available to you as soon as TWINT receives the money from your bank. In most cases, the amount is credited to your TWINT app the following day, or after one or two working days at the latest.
No, this is not possible.
No, this is not possible.
Under the “Top up credit” menu, select “Deposit slip”. Complete the form and you will then receive your personal deposit slip via e-mail. Order your bank to execute a payment in e-banking. You can also set up a standing order or use the deposit slip on multiple occasions. You will receive a notification as soon as the money is received by TWINT. This generally takes one to two working days.
The amount will be credited to you as soon as it is received by TWINT. This takes one to two working days.
You can buy credit codes at Swiss Post as well as at Coop supermarkets, Coop Bau+Hobby and Coop City (food and non-food).
Open the TWINT prepaid app and select the QR code symbol in the bottom right corner. Point your smartphone camera at the QR code or enter the credit code. The credit will then be immediately available in your TWINT app.
You can transfer your credit from the TWINT prepaid app back to your account. For legal reasons, it is only possible for withdrawals to be transferred to an account belonging to you.
How it works:
- Open the TWINT prepaid app.
- Select the menu item “More” > “Release money”.
- Enter the desired amount as well as your IBAN.
- Confirm that the indicated account belongs to you by ticking the checkbox.
- Complete the process by selecting “Release now”.
You can release credit of up to CHF 5000 per year.
Yes. In the ‘Release of payment’ option, which can be found in the menu item ‘More’ > ‘Profile settings’ > ‘Security’, you can set a limit for approved automatic payments.
You can update your personal details under the menu item “More” > “Profile settings” > “Personal details”. If you change your details, TWINT will verify your identify once more.
Select “Forgotten your TWINT PIN?” beneath the TWINT PIN entry field. We will send a new TWINT PIN to the e-mail address that you specified during the registration process.
You can find the General Terms and Conditions and information on the added-value services (“Third-party offers”) under the menu item “More” > “Conditions of use”.
Do you have your bank’s TWINT app? Then please contact the TWINT customer support at your bank. Do you use prepaid TWINT? If so, you can have your TWINT account blocked at any time by calling our 24-hour Customer Service on 0800 99 88 77. You will not lose your money, as it is not saved directly on your smartphone.
TWINT never discloses individual data to providers and/or third parties. Exception: If you provide your express consent, for example upon saving a customer loyalty card in the TWINT app. This solution has been reviewed with the Federal Data Protection and Information Commissioner (FDPIC) and been rated as exemplary.
TWINT only uses this data if you have expressly confirmed your desire in the app to receive third-party offers. This solution has been reviewed with the Federal Data Protection and Information Commissioner (FDPIC) and been rated as exemplary. If you have provided your consent, TWINT will use your usage data and profile information in order to enable it to display offers to you in the app that are appropriate for you.