Prepaid TWINT & other banks
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About Prepaid TWINT & other banks
TWINT is the mobile payment solution of Swiss banks.
Switzerland’s biggest banks offer their own version of the TWINT app. Prior to downloading this app, please search in the Google Play Store for the name of your bank together with the term “TWINT”. You can find an overview at www.twint.ch.
"Prepaid TWINT & other banks" is the mobile payment solution for everybody whose principal bank does not offer its own TWINT app. You can conveniently link your account with more than 30 cantonal and regional banks to the prepaid TWINT app. Alternatively, you can save any other bank account via direct debit (LSV). You can also top up your credit using a deposit slip or via credit codes.
If you would like to use TWINT with your credit card, you can also use UBS TWINT. It does not matter whether you are a UBS client or not.
In order to make payments using "Prepaid TWINT & other banks", you need to top up your credit in advance:
• via a bank or postal account
• via a deposit slip
• via a credit code (credit codes are available at Coop and all post offices)
What you can do with TWINT
TWINT is Switzerland’s digital wallet. Send money to your friends and receive money from them. Make payments in a convenient and secure manner with your smartphone, in online shops and apps, at cash registers and at vending machines. You can also save your customer loyalty cards and take advantage of discount coupons and digital stamp cards.
Send and receive money
Using the “Send money” function, you can transfer money to your friends in real time or request money from them – very simply from mobile to mobile.
Digital payments with your smartphone
At cash registers with a Beacon:
• Activate Bluetooth and open app
• Briefly hold your smartphone up to the Beacon or select “Pay now”
• Confirm amount
At other cash registers and terminals, unattended points of sale and in online shops via QR code:
• Open app
• Select the QR code symbol
• Point your smartphone camera at the QR code
• Confirm amount
Make mobile payments at vending machines:
• Open app
• Follow the instructions on the vending machine
Save customer loyalty cards and employee cards:
More than a mobile payment solution. Save your cards in your digital wallet – the Coop Supercard, for example. The respective benefits will then be automatically taken into account with each mobile payment you make.
Digital discount coupons and stamp cards
Digital discount coupons and stamp cards are displayed to you in the app. When making mobile payments, you automatically take advantage of the exclusive benefits that you have selected.
Secure digital payments
Switzerland’s biggest banks and SIX are involved in TWINT. The app is as secure as e-banking: Your credit is not saved directly on your mobile and all data remains at a secure location in Switzerland.
If your mobile has been stolen, you can have your prepaid account blocked at any time by calling 0800 99 88 77.
Devices and version
The app functions from version 4.4 operating systems.
We are expanding the functionality of the app on an ongoing basis and look forward to receiving your feedback at twint@twint.ch.
Built by AdNovum Informatik AG
Please note: for regulatory reasons, you can only make digital payments with TWINT in Switzerland.
Switzerland’s biggest banks offer their own version of the TWINT app. Prior to downloading this app, please search in the Google Play Store for the name of your bank together with the term “TWINT”. You can find an overview at www.twint.ch.
"Prepaid TWINT & other banks" is the mobile payment solution for everybody whose principal bank does not offer its own TWINT app. You can conveniently link your account with more than 30 cantonal and regional banks to the prepaid TWINT app. Alternatively, you can save any other bank account via direct debit (LSV). You can also top up your credit using a deposit slip or via credit codes.
If you would like to use TWINT with your credit card, you can also use UBS TWINT. It does not matter whether you are a UBS client or not.
In order to make payments using "Prepaid TWINT & other banks", you need to top up your credit in advance:
• via a bank or postal account
• via a deposit slip
• via a credit code (credit codes are available at Coop and all post offices)
What you can do with TWINT
TWINT is Switzerland’s digital wallet. Send money to your friends and receive money from them. Make payments in a convenient and secure manner with your smartphone, in online shops and apps, at cash registers and at vending machines. You can also save your customer loyalty cards and take advantage of discount coupons and digital stamp cards.
Send and receive money
Using the “Send money” function, you can transfer money to your friends in real time or request money from them – very simply from mobile to mobile.
Digital payments with your smartphone
At cash registers with a Beacon:
• Activate Bluetooth and open app
• Briefly hold your smartphone up to the Beacon or select “Pay now”
• Confirm amount
At other cash registers and terminals, unattended points of sale and in online shops via QR code:
• Open app
• Select the QR code symbol
• Point your smartphone camera at the QR code
• Confirm amount
Make mobile payments at vending machines:
• Open app
• Follow the instructions on the vending machine
Save customer loyalty cards and employee cards:
More than a mobile payment solution. Save your cards in your digital wallet – the Coop Supercard, for example. The respective benefits will then be automatically taken into account with each mobile payment you make.
Digital discount coupons and stamp cards
Digital discount coupons and stamp cards are displayed to you in the app. When making mobile payments, you automatically take advantage of the exclusive benefits that you have selected.
Secure digital payments
Switzerland’s biggest banks and SIX are involved in TWINT. The app is as secure as e-banking: Your credit is not saved directly on your mobile and all data remains at a secure location in Switzerland.
If your mobile has been stolen, you can have your prepaid account blocked at any time by calling 0800 99 88 77.
Devices and version
The app functions from version 4.4 operating systems.
We are expanding the functionality of the app on an ongoing basis and look forward to receiving your feedback at twint@twint.ch.
Built by AdNovum Informatik AG
Please note: for regulatory reasons, you can only make digital payments with TWINT in Switzerland.
All Application Badges
Free
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Android
4.4+
4.4+
Bug
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Android app
App History & Updates
What's Changed
Bug fixes and service improvements
Bug fixes and service improvements
Version update Prepaid TWINT & other banks was updated to version 4.3.0.3
More downloads Prepaid TWINT & other banks reached 100 000 - 500 000 downloads
Name changed Name changed! TWINT- Mobile Payment now is known as Prepaid TWINT & other banks.
Version update Prepaid TWINT & other banks was updated to version 2.3.7.0
What are users saying about Prepaid TWINT & other banks
N
by N####:
by N####:
Generic twint forgot my Postfinance account and no Postfinance account can be added back. The Postfinance twint does not allow login with my original credentials. The ETH mensa stopped to support twint as it is apparently broken for them. Password input and slow Bluetooth makes payments take way more time compared to just paying cash. Why are no fast nfc payments possible as I can do it with any nfc enabled credit card. Reliable, no password, fast. We now have lunch at uni zurich mensa as this is where (twint free) nfc payment works flawless. Seems twint was a good idea, implemented very badly. :( I still like the idea of an independent payment provider, but if twint is actively trying to make customer life a nightmare, I don't see how this could go.
C
by C####:
by C####:
Separation by banks it's the most ridiculous thing that could possibly kill the app from the start.
N
by N####:
by N####:
When I have to take picture of ID for verification it's clear on live preview then when I shot it become blurry like it's over compressed and my verification is always rejected with no possibility to reach any support from the app and no other way to securely send documents image (email is not secure!). The last 2 updates didn't solve the issue!!
N
by N####:
by N####:
ID verification photos get always cropped in a way that half the card gets cropped, too. postfinance verification doesn't work and is completely gone from the list of Banks. Don't use this app. it's just frustrating!
N
by N####:
by N####:
One separate Twint app per bank is inconvenient and not smart in the light of apple and google payment competition.
N
by N####:
by N####:
Different twint apps can and at the beginning need to be installed in parallel, which results in malfunctions. Error messages are useless.
N
by N####:
by N####:
Neu ist ein Idendifikationsprozess nötig, Foto von Id. Leider ist das Bild nur in der Vorschschau scharf. Aus meiner Sicht ein Software Fehler. Warum kann man Foto von Id nicht aus Gallerie hochladen? Wie bekomme ich mein geladenes Guthaben zurück?
S
by S####:
by S####:
Es soll nun endlich Android Pay in die Schweiz kommen, damit man sich nicht mit solchen halbwegs zusammengebastelten Apps herumschlagen muss. Vielleicht sollte ich mir doch ein iPhone kaufen - Apple Pay funktioniert schliesslich... --- Mal abgesehen davon, dass man so ungefähr 50% chance hat, finde ich es extrem verwirrend, dass nicht einfach eine NFC-Verbindung mit herkömmlichen Kassenterminals möglich ist.
T
by T####:
by T####:
Aus diesem App wurde die Postfinace Verbindung entfernt und bei dem PostFinace TWINT App funktioniert das Login nicht. Schade um die Idee, jetzt ist wieder mit Karte zahlen angesagt. So gewinnt man nie gegen Apple Pay oder Kreditkarten
N
by N####:
by N####:
Identification process does not work -> useless
A
by A####:
by A####:
Makes life so much easier when trying to split the bill with friends
E
by E####:
by E####:
I can't understand this approach. On one side the Swiss banks want to counterfight Apple Pay and Samsung Pay with their collaborated product Twint, on the other side Twint is launching a separate version for each bank. Such a mess now... doesn't make sense at all...
E
by E####:
by E####:
Anmeldung mit mit meinem bestehenden Account funktioniert nicht. Nach Eingabe der Mobile Nummer erscheint immer der Error-Screen --> "An Error has occurred" - sehr aussagekräftig :) Aber egal. Benutze lieber weiterhin die originale Twint App. Die App von PostFinance hat mir zu viel gelbe Fläche..
M
by M####:
by M####:
Die App hat sich stark verbessert. Der QR Code ist sehr zufriedenstellen. Verbesserungen: - Fingerprint als Alternative zum PIN - Offline Payment funzt manchmal nicht - Bank Account Registrierung sollte auch mit MobilID Verfahren möglich sein
N
by N####:
by N####:
Super... du jour au lendemain impossible de charger de l'argent avec postfinance avant seuls les Beacons posaient regulierement problème, maintenant l'app aussi.. vive Android Pay!
N
by N####:
by N####:
Havent been able to use this app at any physical terminal - just goes into status waiting for cash register to confirm. Have tried at self service and manned checkouts. All very embarrassing. Would advise against loading money into Twint as it's too broken/buggy to actually use the money
N
by N####:
by N####:
Camera for Bank Card photos uses flash even though the card is well visible without it. This leads to the picture taken being just full white due to massive overexposure and reflection from the card as there are no options when taking the photo. Thus it's impossible to take a photo of the card unless I find a spot the app deems illuminated enough so the flash won't trigger. Also I apparently received a payment request from a friend of mine which I never was notified about and just randomly stumbled over between all the spam news on the main screen.
N
by N####:
by N####:
Fingerprint authentication is missing (present on iPhone) NFC payment is missing. I don't care of iPhone users not being able to do it. Allow it for android users. iPhone gets fingerprint, android gets NFC. Take a look at French solution paylib gets NFC payments
N
by N####:
by N####:
Cannot register, as the photo of ID does not get submitted in good quality but keeps turning blurry when submitting... Help?
W
by W####:
by W####:
Die Eingabe des Pins beim Start der App sollte optional sein. Es wäre gut, wenn man das in den Einstellungen ändern könnte. Ein Zweck der App sollte es ja sein, dass Zahlungen schnell und unkompliziert abgewickelt werden können.
N
by N####:
by N####:
Au final je me dis que le paiement traditionel par carte est peut-être plus simple. Avec twint, il faut veiller à activer le bluetooth, entrer le code à l'ouverture de l'application, ... Le concept manque de simplicité.
N
by N####:
by N####:
Overall more time spent identifying myself and unblocking my account than the time saved by paying with twint. I hope this improves in the future.
N
by N####:
by N####:
Update: Twint wird mit jedem Update noch genialer und ich freue mich auf den Relaunch im Januar mit den vielen Neuen Funktionen. Migros ist hoffentlich dann auch endlich dabei und meine Bank NAB
N
by N####:
by N####:
Die App stürzt jedes mal ab, sobald ich die Option identifizieren ID/Führerausweis wähle. Wie kann ich mich identifizieren?
N
by N####:
by N####:
Meiner Meinung nach besser als Paymit, funktioniert einwandfrei mit einem Konto bei der Basler Kantonalbank! Weiter so!
N
by N####:
by N####:
Great app that offers convenient mobile payment with the possibility of deposit a supercard.
N
by N####:
by N####:
Super app leider kein fingerprint support sonst ziemlich gut
B
by B####:
by B####:
Twint app it's not working it's crap......... hope i get my money back.....
N
by N####:
by N####:
OK. now the installation and registration works (got stuck with the previous version). Kudos to the developer, they fixed the bug. Now it's time to try it.
N
by N####:
by N####:
The new update requires taking a photo of my ID card, but it's unable to take a sharp picture, it's always blurry. My camera works fine in all other apps. Now I can't access my money anymore...
N
by N####:
by N####:
impossible to attach bekb account to twint. I get an error in the bekb app and message to try again. But error remains. Paymit was better/easier to use with attaching a mastercard.
N
by N####:
by N####:
Ich benutze die App fast täglich und meistens funktioniert die Bezahlung auch problemlos. Wenn jedoch nur eine schlechte, oder keine Internetverbindung besteht, funktioniert die App praktisch nie (obwohl explizit gesagt wird, dass es offline funktioniert) . Der Bezahlprozess bleibt dann ewig hängen und ich greife dann wieder auf die normale Kartenzahlung zurück (-1 Stern). Beim neusten Update ist die PIN beim Start mühsam, das ging vorher viel schneller, bitte die Fingerprint API integrieren, bis dann von mir für das - 1 Stern.
G
by G####:
by G####:
Funktionierte eine Zeit lang tadellos. Allerdings lässt sich immer öfters kein Geld aufladen weil folgende Fehlermeldung auftritt:"The money from your previous top-up procedure has not yet reached us. The next top-up via bank account will be possible once we have received it. Please try again later." Anscheinend ist die letzte erfolgreiche LSV-Zahlung noch nicht bei Ihnen eingetroffen, obwohl sie bei mir schon seit 4 Tagen vom Konto abgebucht wurde. Somit ist der Nutzer gezwungen, grosse Beträge zu laden, um einen Geldengpass in der App zu verhindern + Grössere Einkäufe müssen geplant werden. TWINT-Team umbedingt nachbessern. Danke
N
by N####:
by N####:
Enfin la mise à jour. J'attends impatiemment la version postfinance pour pas être obligé de charger d'argent en avance. Par contre s'il vous plaît, utilisez l'empreinte digitale pour s'authentifier. Le pin code c'est vraiment pas secure et vieux jeux.
N
by N####:
by N####:
Ne fonctionne pas. Impossible e récupérer son mot de passe oublié.
B
by B####:
by B####:
Seit ich jedesmal den PIN eingeben muss, ist die App für mich völlig nutzlos geworden. Bitte sofort wieder änderen.
P
by P####:
by P####:
Impossible de se connecter. Message "Connection to Server failed" à chaque tentative de login. Tout essayé j'abandonne.
B
by B####:
by B####:
Impossible de faire fonctionner l'appareil photo pour enregistrer ma carte d'identité.
X
by X####:
by X####:
Was ist der Mehrnutzen dieser App? Schrott.
by N####:
Can't relase my money in order to switch to the twint postfinance app (error: promotional credit can't be released). Splitting up the app into multiple apps is one of the worst UX decisions I've ever seen...