Raiffeisen TWINT

Raiffeisen TWINT is the digital payment app that lets you pay, send money, and manage your finances directly from your smartphone across Switzerland. Link it to your bank account and start transacting in seconds — charges go straight to your account, and money from friends arrives almost instantly.

Send and receive money in real time with your contacts. Split bills at restaurants, divide concert tickets with friends, or request amounts from multiple people at once — all handled smartphone-to-smartphone without leaving the app. Payments settle instantly, so everyone knows exactly where they stand.

Pay at thousands of Swiss retailers and online shops around the clock. Use the app at checkout counters, buy seasonal fashion whenever you want, pay parking fees in major cities, and purchase digital vouchers or make donations directly through the interface. Your payment history stays organized and easy to track.

Store your digital loyalty cards in one place — keep your Coop Supercard and other membership cards ready to use. The app automatically applies customer benefits and discount coupons when you pay, so you gain rewards without extra steps. Stamp cards and employee IDs stay accessible whenever you need them.

Set up your account in minutes using your Raiffeisen debit or bank card. Once registered, add a Swiss credit card for debits or link additional bank accounts for both incoming and outgoing transfers. You control every detail — define your own transaction limits and choose between a 6-digit PIN or fingerprint authentication for secure access.

Your data stays in Switzerland. If your phone is lost or stolen, contact TWINT Support to block your account instantly and protect your funds. The app uses Swiss security standards to keep your financial information private.

To get started, you'll need an Android smartphone or tablet with internet access, a Swiss mobile phone number, and a Raiffeisen debit or bank card. Users must be at least 10 years old; those under 18 may need a guardian's consent. Download Raiffeisen TWINT free and start paying your way.