Security that meets Swiss standards

• Make sure you’re on the right online shop by carefully checking the domain name. Check the URL in the address bar of your browser at the top of the screen.
• The “Send and receive money” function is intended only for private transfers to friends and family. If you would like to use this function to purchase goods or services, particularly from people you do not know, please proceed with caution and review the payment recipient carefully. Such transactions may involve attempted fraud.
• Don’t supply any details or information on websites that are untrusted.
• Always protect your username and password on all websites and never disclose these to third parties.
• In case you have multiple TWINT apps installed on your phone, make sure you’re selecting the right app to make the payment when the phone switches from the online store to the payment application.

• The default TWINT app and the associated bank account for incoming transfers in case you have multiple TWINT apps and accounts, as it is only possible to receive payments on one account. Money can only be received by one TWINT account at any one time.
• The list of merchants for whom you have saved TWINT as your payment method.
• Your saved loyalty membership cards. Make sure these are updated and that the details are correct.

• TWINT allows you to quickly and securely send money to friends and your family (known as P2P payments). Never validate a TWINT payment if you do not know the recipient. If you are asked to initiate a payment to a private individual, do not validate the payment unless you are expecting this payment request. Carefully check the recipients’ details so that you are sending the payment to the correct person, and don’t rely on the message field in the payment request. This field is not part of the payment and is used only for communication.
• When you initiate a P2P payment, use your contact list and check you have the correct details. Use the real name of the person and not a nickname for the payment.
• If you are not sure you have the correct phone number of a person, ask the person if they can send you a payment request instead of sending money directly to them. That way you can make sure that the money gets to the correct recipient.
• Payments to friends and family (known as P2P payments) cannot be initiated with a QR code. To initiate a P2P payment, you need the telephone number and the name of the recipient. If you would like to use this function to purchase goods or services, particularly from people you do not know, please proceed with caution and review the payment recipient carefully. Such transactions may involve attempted fraud.
• Do not pay amounts to private individuals via QR or payment code. These payment options are only offered by commercial retail shops and merchants.
• When paying in online shops, only use QR and payment codes from trusted sources and before paying, always review the payment recipient carefully.
• Never use the ‘Release Money’ functionality to initiate payments. This function is only designed to transfer your TWINT prepaid credit to your personal bank account.

• TWINT will never ask you for personal information, financial information or passwords via email, SMS, phone or mail except for identification by the support.
• TWINT will never send you unsolicited emails or SMS with links and ask you to log into your account unless you have not yet downloaded the TWINT app and someone wants to send you money.
• TWINT is only available as an application for iOS and Android, there is no web portal for the TWINT app.
• Don’t allow anyone to ‘stress’ you with demands like, ‘unless you pay now, you will receive a fine or be charged a fee’. For example, scammers may use current events, emergency or political situations to contact you and ask for payments. Check the sender closely each time you receive such messages. If you are ever unsure whether a message is genuine or has really been sent to you by TWINT, please contact our Customer Service.
• Only download the TWINT app from the Apple app store or the Google Play Store.
• Report suspicious e-mails and spam relevant to TWINT to [email protected].
• If in doubt, contact the local authorities or police.

The banks involved in TWINT guarantee the highest level of security and data protection. Information on everything that we do to ensure your security can be found here.