Separate or together?

In Southern Europe, restaurant staff are taken somewhat by surprise if guests decide that they want to pay a bill separately. In northern European countries such as Germany and Denmark, however, it is normal that everybody pays for what they have personally eaten and drunk. And in Switzerland? We are somewhere in between. Service staff thus usually ask automatically whether guests want to pay 'separately or together'.

TWINT P2P Länder

A waiter working under stress may roll his eyes if guests within a big group decide that they would like to pay individually. While in most cases he will be able to look forward to more tips if everybody pays for themselves and perhaps decides to forgo their change, collecting the money of course takes much longer than would be the case with a group payment.

Different countries, different payment customs

The further south you travel in Europe, the less frequently you will see people paying separately. The Croatians, for example, alternate. TWINT employee Matea explains: “In Croatia, everyone simply pays for a round – the more people, the more rounds. Or you return the favour the next time you have been invited out somewhere.” The further north you head, the more common it is for everybody to pay separately. TWINT employee Oliver explains that in Germany the situation is usually as follows: “If you are in a beer garden, it is often the case that everybody pays for a round. However, if a large group goes to a restaurant, it is usual for everybody to pay for themselves.”

For guests, it is of course advantageous if everybody settles their own bill: you only pay for what you have ordered. This is ideal for those with a tight budget. Another option is to divide the total amount by the number of people at the table. While this may make things a little easier, it is also unfair for people with less money to spend: somebody who has only ordered a salad and a mineral water is also required to share the cost of his friends’ three-course meal and expensive wine.

Make paying easier with TWINT

Admittedly, the Swiss method can quickly appear miserly or complicated. Thanks to TWINT, however, there is now a new option: one person pays quickly for everybody – this is even possible with TWINT in more and more restaurants. The other guests then use TWINT to send money to the person who paid and settle what they owe. It does not matter whether everybody sends the same amount of CHF 30 or pays precisely for what they have consumed down to the very cent. Particularly pleasant and very handy: you can even transfer the money together with a photo and a personal message.

And if somebody still hasn't paid their amount after a few days, you can send them a friendly reminder – directly in the TWINT app.

Tip: sending money if you have more than one TWINT app

You can use the “Send and request money” function with any TWINT app. By default, however, only with the TWINT app that you downloaded most recently.


Go to top of page