How is my money transferred to the TWINT app?

The different ways in which you can top up money to your TWINT prepaid app are listed below.


Instant top up

With the TWINT prepaid app, the ‘instant top up’ function allows you to load credit to your account immediately and thus ensures that you have digital cash at all times. You can make use of the following payment options:

  • via your bank account (direct debit)


The instant topping up of amounts up to CHF 200 is possible with the following banks:

Aargauische Kantonalbank
Alpha Rheintal Bank
Baloise Bank SoBa
Banca dello Stato del Cantone Ticino
Bank Avera
Bank BSU
Bank SLM

Bank Sparhafen
Berner Kantonalbank (via BEKB app)
Bezirks-Sparkasse Dielsdorf
Clientis BS Bank Schaffhausen
Clientis Spar- und Leihkasse Thayngen
Luzerner Kantonalbank

Nidwaldner Kantonalbank
Schwyzer Kantonalbank
Thurgauer Kantonalbank
Urner Kantonalbank
Valiant Bank

Comment: Amounts of CHF 200 and over are always subject to a waiting period (up to 4 working days).

  • via a credit code

You can buy credit codes at Swiss Post as well as at Coop supermarkets, Coop Bau+Hobby and Coop City (food and non-food). Simply scan the QR code and your credit will be immediately available in your app.

Further information

There are a number of TWINT apps available that can be connected to your bank account and are thus an alternative to using the instant top up function in the prepaid app.

Download now


Topping up with a waiting period

With a waiting period of up to four working days regardless of the top-up amount, you can top up your credit (via direct debit) with a number of other banks.

  • Top up via your bank account (direct debit)

Go to banks with direct debit

  • Top up via a deposit slip

To do this, select ‘Deposit slip’ in the ‘Top up credit’ menu. Complete the form and you will subsequently 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 up to three working days and then the amount will be credited to your TWINT account.


Alternatives without a waiting period

Direct connection

By establishing a direct connection between TWINT and your bank account, you can top up your credit straight from your bank account.

The following banks offer this function:

Discover now

How it works

Select your bank’s TWINT app or the UBS TWINT app (neutral for all customers using credit cards) in the App Store or in Google Play.

Follow the instructions in the onboarding process.

Save your account or your credit card for direct connection.

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