What is Twint?
Twint is a Swiss mobile payment application that allows users to make cashless payments, transfer money, and manage loyalty cards directly from their smartphones. Linked to users’ bank accounts, Twint supports scanning QR codes at physical stores, online payments, and peer-to-peer transactions. The app is widely accepted by Swiss retailers, restaurants, public transport, and e-commerce platforms. Additional features include ticket purchases, in-app payments, and integration with digital loyalty programs. Secure authentication methods such as fingerprint and PIN protection enhance user safety. Twint operates primarily in Switzerland and transactions are processed in Swiss Francs (CHF), making it an essential payment method within the Swiss digital economy.
How to use Twint?
- Download and install the Twint app from your smartphone’s app store.
- Register using your mobile number and personal details.
- Link your bank account or load credit into your Twint account.
- Authenticate the setup using SMS or banking credentials.
- Pay by scanning QR codes at merchants or send money to contacts in the app.
The pro's of using Twint
- Seamless payments for in-person, online, and peer-to-peer transactions.
- No physical card needed—everything managed via smartphone.
- Supports integration with loyalty and membership cards.
- Strong security features including PIN and biometric authentication.
- Wide acceptance among Swiss merchants and service providers.
The con's of using Twint
- Usage is primarily limited to Switzerland; not widely accepted abroad.
- Only supports Swiss Franc (CHF)—no USD or EUR payment options.
- Requires a Swiss bank account or local prepaid balance for full functionality.
- Some older devices or foreign SIM cards may have compatibility issues.