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 pay at cash re­gisters using a QR code. You can also use TWINT to make pay­ments quickly and con­veni­ently in on­line shops. For­get the hassle of en­ter­ing your credit card in­form­a­tion. An­other ad­vant­age: You don't have to send your pay­ment de­tails to the on­line shop.

Park con­veni­ently at around 200,000 park­ing spaces in Switzer­land. Either scan the QR code at the park­ing meter or gen­er­ate a park­ing ticket dir­ectly from the TWINT app. The best thing about it: The paid park­ing time can be can­celed early at any point and the dif­fer­ence will be re­fun­ded dir­ectly via the TWINT app.

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.

Pay your park­ing fees, buy di­gital vouch­ers and cred­its, or sup­port the char­it­able or­gan­iz­a­tion of your choice dir­ectly from the app with just a few clicks. With TWINT+, you also have quick and easy ac­cess to cash, com­pletely without ATMs.

You need a smart­phone that runs on the iOS (ver­sion iOS 12.2 or newer) or An­droid (ver­sion 7.0 or newer) op­er­at­ing sys­tem.

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.

For se­cur­ity reas­ons, there are dif­fer­ent lim­its in Credit Suisse TWINT.

Spend­ing limit:

• Send­ing money (P2P): CHF 1,000 per day;
  CHF 4,000 per month
• Pay­ments to mer­chants/on­line pay­ments
  (P2M): CHF 5,000 – per day and month

Re­ceiv­ing limit:

• Re­ceiv­ing money (P2P): CHF 2,000 per day; CHF 4,000 per month

Note: There is an over­all limit per day and per month for all chan­nels, i.e. P2P pay­ments re­duce the limit for P2M pay­ments and vice versa. In ad­di­tion, of the lim­its of the ac­count on file, its bal­ance, or the limit of the credit card, the low­est one is al­ways ap­plied. The lim­its are fixed and can­not be changed.

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 with your smart­phone in on­line shops, at cash re­gisters, in un­at­ten­ded farm shops, or at vend­ing ma­chines.
• Pay for park­ing fees and get un­used park­ing credit re­fun­ded.
• Enjoy ad­di­tional be­ne­fits thanks to in­teg­rated di­gital loy­alty cards, 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" func­tion.

Now enter the amount to be trans­ferred and the per­son to whom you want to make the pay­ment. You can se­lect this per­son from your phone con­tacts or enter their name and mo­bile phone num­ber your­self. You can also write a mes­sage and at­tach a photo or a GIF, if needed.

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

The Credit Suisse TWINT "Re­quest and split" func­tion can be used to re­quest money from friends and fam­ily, simply by en­ter­ing the re­ques­ted amount and se­lect­ing the per­son who will make the pay­ment from your phone con­tacts or en­ter­ing their name and mo­bile phone num­ber. You can also write a mes­sage and at­tach a GIF or a photo. Tap the "Re­quest money" but­ton to start the re­quest pro­cess. Amounts may also be di­vided between sev­eral people. For this, se­lect "Re­quest and split" on the home screen and tap on "Split amount." Then, enter the amount to be split, add a title, and se­lect the de­sired con­tacts. By de­fault, the amount is split equally. How­ever, you can also enter the amounts manu­ally.

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 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 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.