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Old 25.09.2017, 11:28
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Are you using Twint?

What is Twint exactly? Are you using it? Any safe precaution should take?
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Old 25.09.2017, 11:34
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Re: Are you using Twint?

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What is Twint exactly? Are you using it? Any safe precaution should take?
It's an amusing twist on the word "Twunt", which is a portmanteau of 2 strong Anglo-Saxon expletives

For the hard of hearing or non-native speakers


I use it often.
Precautions: make sure HR aren't in earshot.
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Old 25.09.2017, 11:35
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Re: Are you using Twint?

Not using it and don't intend to use it in the near future.
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Old 25.09.2017, 11:47
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Re: Are you using Twint?

I really don't understand the benefit, if any. What does Twint allow me to do that I can't do with my Maestro or credit card (or Samsung Pay/ Apple Pay, for that matter)?
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Old 25.09.2017, 11:55
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Re: Are you using Twint?

Itís a contactless payment system that many Swiss shops have, but it cannot be used outside Switzerland.

It avoids having to enter a pin and uses a smart phone rather than a card.

However it is limited to transactions under CHF 40 - or it never worked for me above this.

Quite why this is better than a contactless card, I donít know...
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Old 25.09.2017, 12:01
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Re: Are you using Twint?

It's because the local cartels don't want apple pay..


But TWuNT is exactly what i was thinking too.
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Old 25.09.2017, 12:30
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Re: Are you using Twint?

No.
I was using paymit sometimes to transfer money from phone to phone.
But then they stamped that into the ground, so...
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Old 25.09.2017, 14:25
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Re: Are you using Twint?

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it's because the local cartels don't want to pay royalties for the apple pay monopoly..
ftfy
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Old 25.09.2017, 12:28
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Re: Are you using Twint?

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Itís a contactless payment system that many Swiss shops have, but it cannot be used outside Switzerland.

It avoids having to enter a pin and uses a smart phone rather than a card.

However it is limited to transactions under CHF 40 - or it never worked for me above this.

Quite why this is better than a contactless card, I donít know...
We started using it recently because we got a voucher as a sort of incentive

It's surprisingly useful, from what we've seen. I'm not sure the limit is set as low as CHF 40 as we've been able to pay for stuff at higher costs.

You can also transfer cash to other people's accounts if you need to, which is also has its uses if you owe someone for tickets or a round of drinks. They don't need to be Twint users.

Don't know if we'll continue to use it more than occasionally once the novelty has worn off but so far it seems OK.
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Old 25.09.2017, 15:46
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Re: Are you using Twint?

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Quite why this is better than a contactless card, I donít know...
I suspect it's less costly for the merchant than a credit card transaction. I would not see another reason why Coop, Migros and al would push it so much under one's nose at checkout if there was no money in for them

Now I don't see why I as a consumer I should prefer it to a credit card - in principle the CC should offer me more protection, bonus points, etc.

For personal peer-to-peer transactions there's other systems such as Revolut that are more international...
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Old 25.09.2017, 16:06
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Re: Are you using Twint?

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I suspect it's less costly for the merchant than a credit card transaction. I would not see another reason why Coop, Migros and al would push it so much under one's nose at checkout if there was no money in for them

Now I don't see why I as a consumer I should prefer it to a credit card - in principle the CC should offer me more protection, bonus points, etc.

For personal peer-to-peer transactions there's other systems such as Revolut that are more international...
It is easier than a credit card because you use the phone camera and a QR code to enter the details, rather than typing in a CC number.

You can use a credit card as the backing payment for TWINT, so bonus points and stuff like that still apply, and you get to check the CC statement and challenge any payments etc.

I'm normally super skeptical about this sort of idea, but TWINT does seem to work and solve some actual problems.
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Old 20.12.2020, 17:07
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Re: Are you using Twint?

It's been a year since I started using Twint. At first, I was pretty skeptical about the whole idea. But did give it a try at some point. I do not use it often. If I do, I mostly use it for transferring my share of expenses when hanging out with friends, to shop at grocery stores, and to purchase things from one or two online stores. I must say, it is pretty convenient. On the other hand, I do not use my credit card for it since I fear I may spend uncontrollably
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Old 25.09.2017, 13:01
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Re: Are you using Twint?

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I really don't understand the benefit, if any. What does Twint allow me to do that I can't do with my Maestro or credit card (or Samsung Pay/ Apple Pay, for that matter)?
Get more points at Coop this month :P
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Old 25.09.2017, 13:49
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Re: Are you using Twint?

If you have a contactless credit card it's kinda useless imho. But it works in places where they don't accept credit cards. I guess it's meant for people that only live with the maestro/postcard and don't have contactless. I find it very annoying that it only works via bluetooth and not NFC.
I would say it's safe, UBS and Postfinance are behind it.
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Old 25.09.2017, 13:58
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Re: Are you using Twint?

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I find it very annoying that it only works via bluetooth and not NFC.
Count me out, then. Bluetooth is the worst drain on my phone's battery. In the time it takes me to fiddle with my phone to switch Bluetooth on and back off again, I may as well fish out my wallet—which I don't even have to open to use my contactless credit card.

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I would say it's safe, UBS and Postfinance are behind it.
UBS... that bastion of security...

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Old 25.09.2017, 14:31
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Re: Are you using Twint?

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If you have a contactless credit card it's kinda useless imho. But it works in places where they don't accept credit cards. I guess it's meant for people that only live with the maestro/postcard and don't have contactless.
postcard does have a contactless chip.

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I find it very annoying that it only works via bluetooth and not NFC.
bluetooth is not safe at the moment. better disable it permanently.
http://www.zdnet.com/article/bluetoo...vices-at-risk/

no need to pair or anything. just enable bluetooth and have your phone taken over.

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I would say it's safe, UBS and Postfinance are behind it.
You made me spill my coffee with that line. Hope you're not serious!
https://events.ccc.de/congress/2006/...Smart_Card.pdf
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Old 21.12.2020, 02:17
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Re: Are you using Twint?

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Get more points at Coop this month :P
Yup, the coop Supercard is recorded on your TWINT! I get so much for free! Was skeptical at first also, but am now a believer - forget about handbags, you only need your mobile!

Forgot my Maestro Card recently on paying, the Migros Kassiererin asked me if I have TWINT. And like magic, the basket full of goods was paid within seconds! Thanks to those that recommended I get TWINT.
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Old 21.12.2020, 19:43
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Re: Are you using Twint?

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Yup, the coop Supercard is recorded on your TWINT! I get so much for free! Was skeptical at first also, but am now a believer - forget about handbags, you only need your mobile!

Forgot my Maestro Card recently on paying, the Migros Kassiererin asked me if I have TWINT. And like magic, the basket full of goods was paid within seconds! Thanks to those that recommended I get TWINT.
I don't get it - what does it do that Applepay etc. doesn't do?
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Old 25.09.2017, 14:08
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Re: Are you using Twint?

I use my credit card (contactless upto 40 CHF) mostly.

But I also use TWINT due to below benifits.

1. When you dont carry your wallet (running or biking) you can still buy just with your phone.
2. You can transfer money quickly to friends. If you link your UBS account, the limit is much higher.
3. You dont need to carry your supercard (coop) to get the points.
4. Some online shops (Galaxus) do not charge a fee if you pay with Twint.
5. It is free (no fee)
6. You can pay even if your phone has no network connection (upto a limit)

TWINT and PAYMIT merged into one recently. I expect more benifits will be added soon.

Last edited by blueturtle; 25.09.2017 at 14:11. Reason: added 5 & 6
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Old 26.09.2017, 09:58
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Re: Are you using Twint?

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1. When you dont carry your wallet (running or biking) you can still buy just with your phone.
Clearly a sign of the times. I can much more imagine going out without my phone than without cash or a card. Where do you put your phone when running anyway?

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2. You can transfer money quickly to friends.
Is that something you need to do on a regular basis? The only time I ever lend or borrow money is when or with a group of mates and someone's short of readies to buy their round.


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3. You dont need to carry your supercard (coop) to get the points.
Well you could always use your phone to display your card's code anyway.

I don't get it. It's it really so difficult to carry a bit of cash and a card?
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