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BANKS

Cashless payments in Switzerland: What is Twint and how does it work?

If you live in Switzerland, you are likely no stranger to Twint and maybe even use it regularly to make and receive payments. But if you are not familiar with this app, this is what you should know.

Twint app can be installed on a mobile phone.
“Twinting” money with a smartphone is easy and convenient. Photo by Andrea Piacquadio from Pexels

In Switzerland, the word “Twint” is used both as a noun and a verb.

As a noun, it describes the mobile application which allows you to pay for various goods and services practically everywhere in the country.

As a verb, (“to twint”), it means to send someone money, or receive it, via the same app.

So what exactly is Twint?

Simply put, it is digital cash (not to be confused with bitcoin, which is digital currency) that was first introduced in Switzerland in 2014 and has become very popular since then.

Twint logo. Image by Twint.ch

People like it because it is an easy and quick way to make instantaneous payments, especially in situations when credit cards or physical cash can’t be used.

A big part of its convenience is that it can be used at cash registers, vending machines and parking meters, as well as in online shops — pretty much everywhere in Switzerland, even in places that don’t accept credit cards.

The only similar mode of payment would be your maestro debit card issued by your bank.

This video explains exactly how the process works.

Another advantage of Twint is that you can use it to send money to someone else’s mobile phone — as long as they also have Twint. And you can receive money the same way.

And there are no fees or charges for this service.

How does Twint work?

Anyone can use Twint, but you need a Swiss bank account or a credit card and, of course, a smartphone.

According to Twint website, you need a smartphone with either an iOS (from version 12.2 and upwards) or Android (from version 7 and upwards) operating system and Bluetooth capability (from version 4.0 and upwards).

“It is generally not possible for Twint to be used on Apple devices with an operating system older than “iOS 12.2” or on Android devices with an operating system older than “Android 7”. On Android devices without access to the Google Play Store (e.g. on certain HUAWEI models), the use of Twint app is also not possible”.

But If you have a compatible phone, installing Twint is easy.

Swiss banks offer their own version of the app, and you can download it directly from your bank’s website.

Then, when you use Twint to make a payment, the amount is debited directly from your bank account or credit card.

By the same token, if you receive payment from another Twint user, the money is automatically deposited in your account.

And you are not limited to just one Twint app.

If you have accounts is several banks, or have more than one credit card, you can install and use all of them.

READ MORE: How to open a bank account in Switzerland

Can Twint be used to make payments and receive money from abroad?

For the moment, Twint can be used solely in Switzerland and payments can be made only in Swiss francs – although this may change in future. 

“We are, however, working closely with providers in other countries to develop an international and multi-currency solution”, according to Twint website.

You can find more information about Twint here.

READ MORE: Which bank is best for Americans in Switzerland?

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For members

LEARNING FRENCH

How to talk email, websites, social media and phone numbers in Swiss French

It's a very common experience to have to give out your phone number or email address in Switzerland, or take down the address of a website, so here's how to do this if you're in the French-speaking part of the country.

How to talk email, websites, social media and phone numbers in Swiss French

The correct names for punctuation marks used to be fairly low down on any French-learner’s list, but these days they are vital whenever you need to explain an email address, website or social media account.

Likewise if you want to talk about websites, or social media posts, there are some things that you need to know. 

Punctuation

Obviously punctuation points have their own names, and making sure you get the periods, dashes and underscores correct is vital to giving out account details. 

Full stop/period . point. Pronounced pwan, this is most commonly heard for Swiss websites or email addresses which end in. ch (pronounced pwan ce ash).

If you have a site that ends in .com you say ‘com’ as a word just as you would in English – pwan com.

At symbol @ Arobase – so for example the email address [email protected] would be jean pwan dupont arobas bluewin pwan ce ash.

Ampersand/and symbol & esperluette

Dash – tiret

Underscore _ tiret bas 

Forward slash / barre oblique

Upper case/capital lettersMajuscule (or lettre majuscule)

Lower caseminiscule

The following punctuation points are less common in email or web addresses, but worth knowing anyway:

Comma , virgule. In French a decimal point is indicated with a comma so two and a half would be 2,5 (deux virgule cinq)

Exclamation mark ! point d’exclamation – when you are writing in French you always leave a space between the final letter of the word and the exclamation mark – comme ça !

Question mark ? point d’interrogation – likewise, leave a space between the final character and a question mark 

Brackets/parentheses ( ) parenthèse

Quotation marks « » guillemets 

Numbers

If you need to give your phone number out, the key thing to know is that Swiss-French people pair the numbers in a phone number when speaking.

So say your number is 079 345 6780, in French you would say zero septante-neuf, trois-cents quarante-cinq, soixante-sept, huitante (zero seventy-nine, three hundred forty-five, sixty-seven, eighty ).

Mobile numbers in Switzerland  begin with 079 or 078 (zero septante-neuf or zero septante-huit).

Social media

If you want to give out your Twitter or Instagram handle, the chances are you might need to know some punctuation terms as described above.

Otherwise the good news is that a lot of English-language social media terms are used in Switzerland too.

Twitter, Facebook and Instagram have the same names in Switzerland and have entered the language in other ways too, for example you might describe your dinner as très instagrammable – ie it’s photogenic and would look good on Instagram.

On Twitter you can suivre (follow), aimer (like) or retweet (take a wild guess). You’ll often hear the English words for these terms too, though pronounced with a French accent.

There is a French translation for hashtag – it’s dièse mot, but in reality hashtag is also very widely used.

Tech is one of those areas where new concepts come along so quickly that the English terms often get embedded into everyday use before the French-speakers can think up an alternative.

READ MORE: French-speaking Switzerland: Seven life hacks that will make you feel like a local

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