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Raiffeisen TWINT

Raiffeisen TWINT – the digital cash of Switzerland


With Raiffeisen TWINT you can pay easily and securely, and at the same time enjoy some attractive benefits and discounts. You can link Raiffeisen TWINT directly to your bank account. When you send money or make purchases, your bank account will be charged directly and money you receive from your friends will be credited to your account almost instantly.

The benefits to you at a glance…


Send, request or receive money in real time:
•Send, request and receive money among friends, family members or acquaintances – quite simply from mobile to mobile.
•For example, share the cost of supper at the pizzeria or the tickets for a concert you are attending with friends.

Fast, convenient payments:
•Pay with ease at the cash register at many Swiss retailers.
•Buy the season’s latest outfits around the clock in an online shop.
•Pay parking fees in various Swiss towns and cities.

Benefit from added value:
•Store digital customer loyalty cards (such as the Coop Supercard) in the app and enjoy customer benefits automatically when you pay.
•Benefit from discount coupons directly when paying.
•Always have stamp cards for your favourite stores close at hand in the app, as well as membership cards and employee ID cards.

Simple registration & account linking:
•You can register in a few easy steps with your Raiffeisen debit/bank card. The card's underlying account serves as the base account for debits and credits.
•Once registration is complete, you can also add a Swiss credit card for debits as well as additional bank accounts for debits and credits.

Secure access:
•Access is secured with a 6-digit PIN of your choice, or with your fingerprint.
•If your smartphone is ever stolen, you can have your account blocked at any time by TWINT Support.
•You yourself define the limit for your transactions.
•Swiss Standard: All the data remain in Switzerland.

Download for free and get started now
Download the Raiffeisen TWINT app to your smartphone now. All you need is:
•an Android smartphone or tablet with an internet connection
•a Swiss mobile phone number
•a Raiffeisen debit or bank card

Please note that you must be at least 12 years old to register. Raiffeisen TWINT is also only intended for natural persons who are domiciled in Switzerland.

Visit raiffeisen.ch/twint for further information about Raiffeisen TWINT or raiffeisen.ch/twint/angebote for information on current campaigns.

Data protection declaration

Legal notice: Please be advised that by downloading, installing and using this application, third parties may be able to infer an ongoing, former or future client relationship between you and Raiffeisen. By downloading this app, you expressly agree that the data you transmit to third parties can be compiled, transferred, processed and made accessible in accordance with their terms and conditions. The terms and conditions of these third parties, to which you agree, must be differentiated from the remaining terms and conditions of Raiffeisen.

Category : Finance

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Reviews (27)

Oli. N. Feb 20, 2020     

I think the concept is great because it is quick and easy; however the app has faults. The finger print activation often doesn't work and I have to reactivate it monthly. The app also blocks me out for no apparent reason and when I try to unblock the app, it only gives me instructions in German when I have set my settings to English. This is very frustrating because I cannot understand how to fix the problem. The message goes away too quick. When I call the help line, they are very helpful.

Byr. M. Sep 1, 2020     

The app has become completely unusable on my mobile phone. At first, everything was working smoothly and I was happy with the features. After a few days, however, the app began to freeze on the home screen. Following multiple reinstalls, it continued to freeze, this time on the very first page, not even allowing me to press the "Start" button. Any help in this matter would be appreciated.

Lyn. R. Dec 3, 2021     

It keeps crashing when I try to log in. I uninstalled and reinstalled it. It crashes when I get to the SMS verification step. Please fix! Before this problem occurred, it was a very easy app to use.

Chr. S. Oct 29, 2018     

Unfortunately Twint isn't informing customers enough. An app like Twilight that overlays can block any interactions with Twint which is fine if Twint would notify me. Similarly when there were technical problems preventing people from making payments I had to call the hotline and have somebody on the phone tell me. No notification through the app, no automatic message on the hotline to save us both time.

and. u. Dec 3, 2019     

Although there is only 2 buttons ("Ok" and "Forgotten Pin") in the welcome screen, the app designer puts them so close that you can accidently block your account very easily. Very smart design!! Then you cannot unblock your account, because the hotline is always out of service or too busy!!!!! and tehre is no other way to recover your account. Dont expect the Swiss quality here! Use another bank.

Nic. D. Jun 11, 2021     

Unfortunately since one month the app has begun to vibrate the phone constantly on my galaxy s10 when the app is open. The app works normally. Stock Samsung S10. Have tried rebooting and installation and reinstalled but doesn't fix. Phone is otherwise working normally with all other apps. TWINT is fantastic otherwise

Rob. G. Jan 16, 2021     

4 out of 5 stars, works a treat. if Raiffeisen could transform the keyboard in "code"-mode (I don't need a QWERTZUIOPÜ-keyboard-layout if I just have to enter 5 numbers) to "numbers only", I'd give 5 stars.

Sar. A. K. Feb 2, 2022     

Absolutely wonderful app. Works without any glitches. It is covenient is fast and super safe! Highly recommended!

Vin. Apr 18, 2022     

Swiss mobile phone number required. Why? just to prevent non-swiss people to use it. racist 2.0

usc. Sep 5, 2020     

On my Pixel2 phone running Android 10, I cannot search in my phone book for contacts; it promt me for the permissions and I allow, but I cannot see my contact and I need to write the phone number manually when I want to send money.

Gia. C. Apr 12, 2019     

Often useful, but in last 10 days for three times I blocked the queue at Coop, because non stoppable "software updates" inside the app. And it takes so long that I must use a normal card before being lynched by other customers. So: get ready for plan B, TWINT is not yet a full substitute of other payment options.

Nat. '. Feb 8, 2021     

I'd love to see the ability to lower the daily limit in the app. That we can't increase it on our own makes sense but please allow us to lower it! It would improve security a lot in my opinion!

Lar. E. Nov 20, 2019     

Super practical for splitting bills with friends, paying in store, if you forgot your wallet and also for paying online.

A. M. Feb 15, 2020     

Easy to use, bug free, and fast way to send and receive money. Has simplified cash transfer a lot!

Von. H. Nov 30, 2021     

Since the latest Android 12 update, the app keeps crashing. I've reinstalled and I now can't even access the app.

Han. C. Nov 2, 2020     

TWINT is super easy and convenient! The only thing I don't like is the monthly limit!! Thats why it's 4 stars and not 5.

Cyr. G. Dec 7, 2018     

1) The link provided on the registration page is a 404 link ( raiffeisen.ch/twint/registrieren) 2) I have a bank account at Raiffeisen Switzerland, but because of work I have a German phone number. No way to register?

Mar. A. Mar 16, 2019     

cant even open the app! it doesn't work with the fingerprint scanner and I can't make this window go away to put in my pin...

Fit. F. May 19, 2022     

This app is effecient and easy to operate. I like it

Do. Q. D. Jul 27, 2019     

this morning i try to pay in coop but its impossible to push in the button to pay and even i restart the apps several times. please fix the problem !

Max. G. Jul 6, 2019     

Rooted oneplus 3t running android 8 manufacturer rom, no interaction with the app are possible, all button are unresponsive, is there some security against rooted device? (I don't have any overlay app such as twilight)

Eli. H. Mar 26, 2019     

Fingerprint login stops working after a few weeks on the OnePlus 6t. Seems to be fixed.

Ale. M. Dec 2, 2021     

The team is very professional, now the problem for Samsun S21 plus is solved. Thank you team, great job!

Oan. D. Nov 5, 2020     

Easy to use and very convenient for sending money to friends or payments with the phone at various shops and parking.

Chr. T. Feb 28, 2020     

Love it... Simple and reliable. And slowly getting more and more accepted.

Kev. R. Dec 8, 2021     

my go to app to pay in Switzerland. it is easy to use and works great 👍

Xim. Apr 8, 2021     

To be honest its ok in general except that there isnt many digital vouchers. thats my opinion.