TWINT

TWINT is the leading Swiss payment app, operated by TWINT AG in Zurich since 2016. According to the company it has more than 6 million active users and processed 901 million transactions in 2025. The app is linked to the user's Swiss bank account and is used in shops, online, between friends, at ticket machines and in car parks. TWINT is a domestic alternative to card payments with Visa or Mastercard.

Features

• Payments in stores, in online shops and in other apps
• Sending money between users with the phone number
• Paying for public transport tickets and parking
• Stamp cards in the app; a direct debit function is being introduced
• Acceptance at more than four out of five shops in Switzerland, according to TWINT

Ownership and limitations

TWINT AG belongs to Swiss banks and payment companies: BCV, PostFinance, Raiffeisen, UBS, Zürcher Kantonalbank, SIX and Worldline. TWINT is used almost entirely in Switzerland and needs an account at a participating Swiss bank, so it is not a general payment method elsewhere in Europe. Merchants pay transaction fees that depend on their provider.