Credit Suisse TWINT TWINT FAQ
Key information about Credit Suisse TWINT can be found in the answers to the most frequently asked questions below. We will also be glad to assist you over the phone. Please call our toll-free 24h HELP Line at 0800 800 488*. We will be happy to advise you on any questions you have.
TWINT is a mobile payment solution geared toward Switzerland that Credit Suisse (Switzerland) Ltd. and many other Swiss banks offer to their clients. TWINT users can make payments at cash registers, in online shops, and at a variety of vending machines throughout Switzerland. Friends and family members can even use it to transfer money to each other. If desired, TWINT can allow you to take advantage of exciting third-party offers, such as discounts when shopping or special offers.
Credit Suisse TWINT is the mobile payment solution offered by Credit Suisse (Switzerland) Ltd. to its clients residing in Switzerland. This mobile payment solution is delivered in the form of an app. The app is available in both an iOS version (for Apple smartphones) from the App Store and an Android version (for Android smartphones) from the Google Play Store.
As a private client of Credit Suisse (Switzerland) Ltd., you can store your Credit Suisse bank account or credit card as the means of payment.
The biggest banks in Switzerland, such as Credit Suisse (Switzerland) Ltd., offer their own TWINT apps. This gives clients of these banks an advantage: They can connect TWINT to their accounts. That means payments using TWINT are debited directly from the client's bank account. As an alternative, some banks also allow clients to store a credit card as a means of payment.
The parallel use of several TWINT apps is explained under the question "Can Credit Suisse TWINT be used at the same time as TWINT apps from other banks?"
- Make secure and convenient payments with your smartphone: at cash registers, in online shops, and at vending machines.
- Easily send money to friends or family and request money from them.
- Get discounts and exclusive benefits thanks to digital coupons.
- Use digital stamp cards that reward customers for their loyalty.
- Store your customer loyalty cards, and enjoy the benefits with each payment.
- It is compatible with the most current Android and iOS smartphones.
- Data security is ensured by storing information in Switzerland.
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).
With Credit Suisse TWINT, you can make payments at cash registers, in online shops, and at a variety of vending machines throughout Switzerland. The acceptance points can be identified by the TWINT logo.
You can change your language settings under the menu item "More" > "Profile Settings" > "Language." Credit Suisse TWINT is available in German, French, Italian, and English.
In this case, open Credit Suisse TWINT, tap on the "Forgotten your TWINT PIN?" field and contact the toll-free 24h HELP Line at 0800 800 488*. The help line will immediately send you a new PIN via SMS. You must then enter this new PIN in the "Enter TWINT PIN" field. In the next step, you will be asked to create a new TWINT PIN.
Registration for Credit Suisse TWINT is linked to the mobile phone number. If you use a different mobile number for different devices, you can install Credit Suisse TWINT on multiple devices. Please note that the limits apply to each account stored with Credit Suisse TWINT. If the same Credit Suisse account is used for different mobile numbers, the various devices will therefore share these limits (for more information, see question "How high are the spending limits when paying with Credit Suisse TWINT?"). If, during registration, different Credit Suisse accounts are stored on various devices, the full limit amount is available for each device.
It is possible to install more than one TWINT app from different banks on the same device, although you need to register separately for each TWINT app. For example, if you previously used the TWINT app (Prepaid TWINT) that is not linked to a particular bank, you will need to re-register for Credit Suisse TWINT. It is important to be aware that, in the case of person-to-person (P2P) transactions, the money will be credited to the account linked to the last registered TWINT app.
- You must be a private client of Credit Suisse (Switzerland) Ltd. with your place of residence in Switzerland.
- You need a Credit Suisse transaction account in Swiss francs, such as a private account or a current account for private individuals.
- You must have a valid contract for Credit Suisse Online Banking.
- You need your login information (user ID and password) for your Credit Suisse Online Banking account.
- You must be at least 12 years old.
- You need a valid mobile phone number from a Swiss provider.
- You need a smartphone running on either the iOS (iPhone 4S and iOS 9 or newer) or Android (Version 4.4 or newer) operating system.
- The Apple App Store or Google Play Store must be set to one of the following countries: Switzerland, Italy, France, Germany, Austria, United Kingdom.
Once you have downloaded Credit Suisse TWINT on your smartphone, you will first be asked if you are new at Credit Suisse TWINT. After selecting "Yes," you can start the new registration by entering your mobile phone number. To ensure the number you enter is correct, you will receive a text message containing an activation code. You will be required to enter that code in order to continue registering. To safeguard your account against misuse, you are required to create a separate PIN for Credit Suisse TWINT (TWINT PIN) in the following step. If you desire, you can activate the Touch ID/Fingerprint feature on your device, if supported.
Afterwards, you will be asked to enter your login information (user ID and password) for your Credit Suisse Online Banking account. This step enables Credit Suisse to show you which of your accounts are suitable for use with Credit Suisse TWINT. You can now choose your desired account. If you would rather store a credit card instead of a bank account as your means of payment, you may do so following successful registration under the function "More" > "Means of payment" > "Account & credit cards."
The final step is for you to choose whether you wish to receive third-party offers and share your location so that Credit Suisse TWINT can notify you of exciting offers and discounts at any time.
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 personal accounts and current accounts for private individuals. Examples of accounts that are not permitted include savings accounts and rental deposit savings accounts.
During the Credit Suisse TWINT registration process, you will be asked to enter your login information (user ID and password) for your Credit Suisse Online Banking account. This step allows us to show you which accounts of yours are suitable for use with Credit Suisse TWINT. From this list, you can choose the specific account you wish to use as your payment account.
In order to change the stored Credit Suisse account, please contact the toll-free 24h HELP-Line at 0800 800 488*. A member of the support team will delete your Credit Suisse TWINT registration and then ask you to reregister for Credit Suisse TWINT from scratch. During the reregistration process, you will be shown a list of eligible Credit Suisse accounts, and you can then choose the account you want from the list.
If you save a bank account as your means of payment for Credit Suisse TWINT, you have the ability to control your spending at all times. That's because payments are deducted directly from the corresponding account, which always keeps your account balance up to date. By contrast, payments made using your credit card are not deducted from your account until the end of the month.
If you have changed your smartphone, but still use the same mobile phone number, a new registration for Credit Suisse TWINT is not necessary; you can simply log in. During the first start of Credit Suisse TWINT on the new device, you will be asked if you are new at Credit Suisse TWINT. After selecting "No," enter your mobile phone number in the next step. You will then be asked if you are already registered with this mobile phone number. Here, you need to select "Yes." The remaining registration will be the same as for the initial registration (see question "How do I sign up to use Credit Suisse TWINT?"), except that you cannot change the connected account. The transaction history and the value-added service status will remain unchanged.
If you have changed your mobile phone number, a new Credit Suisse TWINT registration is required. During the first start of Credit Suisse TWINT, you will be asked if you are new at Credit Suisse TWINT. After selecting "No," enter your mobile phone number in the next step. You will then be asked if you are already registered with this mobile phone number. In this step, you must select "No." The remaining steps will be the same as for the initial registration (see question "How do I sign up to use Credit Suisse TWINT?"). The transaction history and the value-added service status will not remain unchanged in this case. We recommend that, when changing mobile phone numbers, you delete the previous Credit Suisse TWINT registration via the toll-free 24h HELP Line at 0800 800 488*.
If you no longer wish to use Credit Suisse TWINT, you can have your account deleted by contacting our toll-free 24h HELP Line at 0800 800 488*. If you do so, your cancellation is irrevocable. In other words, if you decide later that you wish to use Credit Suisse TWINT again, you will have to go through the registration process all over again.
If you simply wish to have your Credit Suisse TWINT account frozen temporarily for security reasons (for instance, because you lost your smartphone), you can also have that done by contacting the toll-free 24h HELP Line at 0800 800 488*.
There is no charge for downloading Credit Suisse TWINT and registering to use the service. There are also no transaction fees charged if you pay with Credit Suisse TWINT at the cash register or in online shops, or if you send and request money.
A TWINT Beacon is a signal receiver powered by Bluetooth technology and used for payments at cash registers. No sensitive data is exchanged locally. Transfers always take place in a protected environment, making payments secure.
Yes, payments can be made offline at checkouts equipped with TWINT Beacon. For many other functions, a data connection (mobile network, WLAN) is required.
No, foreign payments are not currently possible. Payments in Swiss online shops of foreign providers are basically possible depending on whether the provider accepts TWINT as the means of payment.
No, TWINT supports payments exclusively in Swiss francs.
Notify the checkout staff that you wish to pay using TWINT. Examine whether the Bluetooth feature on your smartphone is activated. Hold your smartphone up to the Beacon at a distance of five to ten centimeters, open Credit Suisse TWINT, and tap "Pay now."
If it still does not work, the issue might be that there is a WiFi signal causing interference. In that case, turn off your phone's WiFi signal, and try again.
Yes, under the menu item "More" > "Profile settings" > "Security," you may select the "Release of payment" option to set the maximum amount for payments to be automatically approved. Payments exceeding this amount must be reconfirmed with "OK." You can change this amount at any time.
For payments made without an internet connection (offline payments), a confirmation is always required.
Yes, you can view all your payments under the menu item "Statement entries."
Please contact the toll-free 24h HELP Line at 0800 800 488* for any emergencies related to Credit Suisse TWINT. In particular, this applies if you have lost your smartphone or if you fear your account has been misused.
If you lose your smartphone or it is stolen, it is very important that you contact the toll-free 24h HELP Line at 0800 800 488* without delay and have your Credit Suisse TWINT account frozen. Please note that the money is not stored directly on your phone and, therefore, cannot be lost.
If you find your smartphone again undamaged, you can contact the toll-free 24h HELP Line to have your Credit Suisse TWINT account unfrozen.
Credit Suisse TWINT enables you to do the following:
- Make payments at cash registers, in online shops, and at vending machines with your smartphone.
- Send money to friends or family and request money from them.
- Enjoy additional benefits thanks to integrated digital customer loyalty cards as well as coupons and stamp cards.
TWINT is a Swiss payment solution promoted by Switzerland's biggest banks and the Swiss retail industry and geared to the needs of Swiss consumers.
Besides mobile payments at cash registers or online, Credit Suisse TWINT offers the following benefits:
- Direct connection of a Credit Suisse account, providing total transparency thanks to immediate debiting of payments
- Person-to-person (P2P) payments
- Direct connection of customer loyalty cards (e.g. the Coop Supercard)
- Payments at vending machines (e.g. Selecta)
- Exclusive offers for exciting purchases
- Continuously expanding value-added services
- At cash registers using a TWINT Beacon:
Make sure you have Bluetooth and location services (the latter only on Android 6 and higher) activated. Open Credit Suisse TWINT and tap "Pay now." Now, briefly hold your smartphone up to the Beacon.
For payment via Beacon, no internet connection is required.
- At cash registers without a TWINT Beacon:
Open Credit Suisse TWINT and tap on the QR code icon. Aim the camera of your smartphone at the QR code shown to you.
For payment via QR code, an internet connection is required.
In both cases, you will receive confirmation following successful payment. If you have also stored 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.
Using Credit Suisse TWINT to pay in online shops has many advantages:
- It is 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: The tedious task of entering credit card information is no longer necessary.
- It's secure: You don't have to transfer your payment details to the online shop.
This is how payment in online shops works with Credit Suisse TWINT:
- In the online shop, select "TWINT" as the payment type. You will be shown a QR code and a five-digit numerical code.
- 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.
- 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.
Payment transactions at vending machines (for example, Selecta) work the same as at a cash register. That means they use either a QR code or a Beacon built into the machine.
In order to use Credit Suisse TWINT to transfer money to friends or family members, for example to pay your share of a group dinner, select the function "Send and request" > "Send money."
Now enter the amount to be transferred and the desired payee. For entering the payee, you can either make a selection from the contact list or enter the mobile number and name directly. You can also write a message and attach a photo, if needed.
Tap the "Send money" button to activate the transfer.
In order to use Credit Suisse TWINT to request money from friends or family members, for example for them to pay their share of a group dinner, select the function "Send and request" > "Request money."
Now, enter the amount to be requested and the desired payer. For entering the payer, you can either make a selection from the contact list or enter the mobile number and name directly. You can also write a message and attach a photo, if needed.
Tap the "Request money" button to initiate the process of requesting money.
You can store your customer loyalty cards (the Coop Supercard, for example) in your Credit Suisse TWINT account under menu item "Offers." Stamp cards and coupons can also be activated under menu item “Offers.”
When storing the Coop Supercard, please note that the ID should be the email address of the Supercard login.
To enjoy third-party offers, you will need to accept this feature either during the registration process or later under the menu item "More" > "Terms and Conditions" > "Offers from third parties."
If you do that, you will automatically receive coupons and special offers through Credit Suisse TWINT, which you can activate if interested.
The business will display the official TWINT logo, or you can ask the store's employees if you can use TWINT to pay.
Amounts are deducted in the same manner as with payments using a debit card (for example, your Maestro card): immediately after the transaction is completed.
Credit Suisse TWINT uses multiple security features to make the solution as secure as possible. 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 your smartphone and the retailer's terminal takes place via readers known as “Beacon“, 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 your 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 toll-free 24h HELP Line at 0800 800 488* without delay.
Only your mobile number and date of birth are required for paying with Credit Suisse TWINT. If you wish to continue benefiting from value-added services (customer loyalty cards, coupons, and stamp cards), you will also need to provide your name, address, and gender. IMPORTANT: Credit Suisse TWINT never shares your personal information with vendors or third parties unless you have explicitly agreed to receive value-added services. For example, this may be the case when you store a customer loyalty card, since the card number is transmitted during each payment transaction. This procedure, evaluated by the Federal Data Protection and Information Commissioner (FDPIC), has been deemed ideal.
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.
Credit Suisse TWINT behaves like physical cards (for example, Maestro cards and credit cards). Therefore, it is important that neither the smartphone on which Credit Suisse TWINT is installed nor the PIN to Credit Suisse TWINT find their way into the hands of unauthorized individuals.
Nevertheless, if that does happen, please contact the toll-free 24h HELP Line at
0800 800 488* to have your Credit Suisse TWINT account frozen immediately.
Unlike Maestro cards, where a client's spending limit can be set individually, limits on payments with Credit Suisse TWINT are clearly specified. There are separate limits, however. First, there is a limit on payments at cash registers and in online shops (person-to-merchant, or P2M, transactions). Next, there is a limit on payments between friends and family (person-to-person, or P2P, transactions).
- For all TWINT payments (that is, P2M and P2P):
CHF 2,000 per day or CHF 4,000 per month
Of that, P2P payments to other TWINT users
CHF 1,000 per day or CHF 4,000 per month
- Receiving TWINT payments from other TWINT users (P2P or credits from P2M payments):
CHF 2,000 per day or CHF 4,000 per month
The payment limits apply across all methods of payment that have been saved (credit card and account).
As with a conventional wallet, it is up to you to take care of your money and valuables.
If your smartphone is stolen, you suspect fraud, or if you notice something unusual in your transactions, you are obligated to report it to the toll-free 24h HELP Line at
0800 800 488* without delay and have your Credit Suisse TWINT account frozen.
Instances of fraud will be investigated individually.
The only way to open Credit Suisse TWINT is with your TWINT PIN. For that reason, you should never share it with unauthorized people.
Credit Suisse TWINT needs access to your camera in order to make payments via QR code, for example. Credit Suisse TWINT uses access to your contacts for the "Send and request" function so that the respective names can be displayed within Credit Suisse TWINT.
Yes, Credit Suisse TWINT supports Touch ID on Apple smartphones and Fingerprint on Android smartphones. Other biometric features are not currently supported.
Root access enables the use of advanced operating system functions. For Android, this is referred to as rooting and for iOS, as jailbreaking. For the current release, the decision was made to set the security settings so that Credit Suisse TWINT cannot be installed on such devices. However, this decision could be adjusted in the future.
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0800 800 488*.