Credit Suisse TWINT

Let's say you want to send a friend money for a movie ticket. It's a quick affair with Credit Suisse TWINT. Simply enter the payee's mobile phone number to send off whatever you still owe. It's just as easy to request money, too.

With Credit Suisse TWINT, you can make mobile payments in over 1,000 online shops. Forget the hassle of tediously entering your credit card information. Another benefit? You don't have to send your payment details to the online shop.

With Credit Suisse TWINT, you can use your smartphone to make payments in over 30,000 locations. Pay by Bluetooth at cash registers with a TWINT beacon or by QR code at registers without a TWINT beacon.

With Credit Suisse TWINT, you can store your customer loyalty cards electronically instead of in your wallet. This enables you to carry your rewards cards everywhere while saving room in your purse or wallet.

Thanks to digital coupons and stamp cards, you benefit from exciting TWINT offers from many different partners. Sign up for discounts and special rates with Credit Suisse TWINT.

You need a smartphone that runs on the iOS (iPhone 4S and iOS 9 or newer) or Android (Version 4.4 or newer) operating system and has a Bluetooth feature (Version 4.0 or newer).

It must be an active transaction account for private clients of Credit Suisse (Switzerland) Ltd. that is suitable for making payments and is held in Swiss francs. Examples include Private accounts and Current accounts for private individuals. Examples of accounts that are not permitted include Savings accounts and Rental deposit savings accounts.

There is no charge for downloading Credit Suisse TWINT and registering to use the service. There are also no transaction fees charged if you use Credit Suisse TWINT to send or request money or to pay at cash registers or in online stores.

No, foreign payments are currently not possible. Payments in Swiss online shops of foreign providers are basically possible depending on whether the provider accepts TWINT as the means of payment.

With Credit Suisse TWINT, you can:

• Send money to friends and request money from them.
• Pay at cash registers, in online shops and at vending machines with your smartphone.
• Enjoy additional benefits thanks to integrated digital customer loyalty cards as well as coupons and stamp cards.

You can transfer money to your friends using Credit Suisse TWINT for a variety of reasons, such as to pay for your share of dinner at a restaurant. To do that, select the "Send & Request" > "Send Money" function.

Now enter the amount to be transferred and the desired payee. You can select the payee from your phone contacts or enter their name and mobile phone number yourself. You can also write a message and attach a photo, if needed.

Tap the "Send Money" button to activate the transfer.

Using Credit Suisse TWINT to pay for your online purchases has many advantages:

• It's quick and transparent: The payment is made without any delay and, if there is an account connection, is reflected immediately in the account balance.
• It's convenient: There's no need to tediously enter your credit card information.
• It's secure: You don't have to send your payment details to the online shop.

Here's how you can use Credit Suisse TWINT to make payments in online shops:

1. In the online store, select "TWINT" as the payment type. You will be shown a QR code and a five-digit numerical code.
2. Open Credit Suisse TWINT and tap on the QR code icon at the bottom right. You may either aim your smartphone camera at the QR code or enter the numerical code.
3. Confirm the amount by tapping "OK."

If you have stored your customer loyalty cards, such as the Coop Supercard, in your Credit Suisse TWINT account or have activated coupons, they will usually be applied automatically during the payment process.

Credit Suisse TWINT uses multiple security features to make the solution as secure as possible. For example, the only way to open Credit Suisse TWINT is with your individual TWINT PIN. To further increase security, we also recommend that you configure a PIN for your smartphone.

Communication between Credit Suisse TWINT on the customer's smartphone and the retailer's terminal takes place via readers known as "beacons," or a terminal on which a QR code is shown. However, the transaction always occurs in a secure environment and not between the terminal and the smartphone. Credit Suisse TWINT does not transmit any sensitive or personal information via the terminal. Security and privacy are guaranteed just as much whenever payment is made using a QR code instead of the beacon at the payment terminal.

If you lose your smartphone or suspect fraud, it is important that you personally report it to our free 24h HELP-Line at 0800 800 488* without delay.

Your data is stored centrally, on TWINT's server. This server is located in Switzerland and uses the same security measures as a bank for protecting data. In addition, TWINT regularly has external companies examine whether information security is guaranteed.

TWINT does not store any sensitive or personalized data. The data and money are stored in a secure environment (comparable to an online banking system).

In addition, your data will be stored on Swisscom servers, since it operates this service as a technical service provider for Credit Suisse.