# UBS TWINT — Send money & mobile payment

> Swiss mobile payment app for digital money transfer and cashless transactions. (iPhone/iPad app by UBS AG.)

- Source: https://appshunter.io/ios/app/ubs-twint/id989192632 (this page in markdown: same URL + `.md`)
- Developer: [UBS AG](https://appshunter.io/developer/369153318)
- Category: Finance, Utilities
- Price: Free
- Rating: 4.90/5 from 1,693 App Store ratings · 74 written reviews indexed
- Age rating: 4+
- Requires: iOS 18.0 · 52 MB
- Languages: American English, French (France), German (Germany), Italian
- Released: 2020-08-28
- Data updated: 2026-08-26
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/ubs-twint/id989192632/reviews.md

## What is UBS TWINT?

UBS TWINT is the most widely used mobile payment app in Switzerland: send and receive money digitally with your smartphone – discover the advantages of contactless payment with UBS TWINT. 

With well over one million registrations, UBS TWINT is the Swiss no. 1 mobile payment service and Switzerland’s digital cash. Paying digitally, sending money directly to or receiving money from friends has never been easier. Paying for parking without coins or shopping at Coop and Migros without cash is no problem via the app.


WHAT TWINT CAN DO

Pay cashless at the register: Conveniently pay cashless with your smartphone in the store, restaurant, farm shop, etc., at any card terminal with QR codes.

Send, receive and request money: Send, request and receive money quickly and securely via smartphone to and from friends, family and colleagues.

Pay in online stores: Save valuable time when shopping online, scan the QR code at checkout, or switch to the TWINT app to authorize the payment.

In-app payment: Save TWINT as a secure method of payment in other apps, such as SBB, Fairtiq, Migros and many more.

KeyClub points: Collect valuable points when paying via TWINT using the registered UBS Credit Card.

Pay parking fees: Pay parking fees at public parking lots by using location tracking in the app or QR code on the parking meter.

Vouchers & credit: Buy, send and receive digital vouchers and credit for yourself or as a gift with just a few clicks.

Donate: Donate money to Swiss aid organizations and their projects for charitable purposes.

Withdraw cash: Sometimes you can only pay with cash. That’s why TWINT has integrated “Sonect.” It allows you to get cash quickly and easily using the “Withdraw cash” feature, 
without the need for an ATM.

Benefit from Super Deals: Every week you can benefit from new discount offers in the “Super Deals” partner feature.

Order coffee: Order new coffee supplies directly in TWINT using the app or the QR code on the Nespresso machine.

. . .  and much more.



SECURE IS SECURE

• Meets the security standards of Swiss banks
• All data remains in Switzerland
• Protected by 6-digit PIN or fingerprint
• The UBS TWINT account can be blocked at any time


UBS Switzerland AG has only made the UBS TWINT app (“app”) available to the following persons, for whom it was exclusively designed: For (i) existing clients of UBS Switzerland AG and existing clients of other non-US subsidiaries of UBS Group AG who are domiciled in Switzerland, and (ii) natural persons who are domiciled in Switzerland. The fact that the app can be downloaded from non-Swiss app stores does not constitute an invitation, offer or recommendation to enter into a transaction, nor should it be construed as an invitation or offer to enter into a client relationship between the person downloading the app and UBS Group AG companies. The app is not intended for and cannot be used by persons resident in Australia or the USA.


ADDITIONAL INFORMATION

http://www.ubs.com/twint

## Key features

- Send and receive money digitally
- Cashless payments in stores and online
- Pay parking fees
- Digital vouchers and credit
- Donate to charities
- Withdraw cash without ATM
- Access discount offers

## What do users think of UBS TWINT?

Overall sentiment: negative

**Pros**

- 🚀 Fast and efficient
- 👍 Easy to use
- 💡 Convenient payment method

**Cons**

- 🐛 Buggy and unstable
- 👎 Poor user experience
- 🔒 Restricted to Swiss phone numbers only
- 🔍 Difficult to access contacts

**Commonly reported bugs**

- Unable to save contacts
- Login and transaction failures
- Compatibility issues with older devices

**Most requested features**

- Allow access with non-Swiss phone numbers
- Improve contact management
- Optimize app performance
- Enhance interface design

## Recent user reviews (10 of 74)

All indexed reviews: https://appshunter.io/ios/app/ubs-twint/id989192632/reviews.md

### 5/5 — Pratique

*2026-08-11*

Très pratique et rapide, super de pouvoir l’utiliser avec un numéro français

### 3/5 — Need a QR code for receiving payments

*2026-06-23, version 201.0.0*

The TWINT app is good for making payments at stores, but is cumbersome when what to send money from person to person - need to always create a contact on the phone before being able to send or request money. Why this app cannot generate a simple single use QR code to receive payments from friends and colleagues?

### 5/5 — 😎

*2026-05-15, version 201.0.0*

☺️

### 5/5 — FANTASTICA

*2026-04-29, version 200.0.0*

L’Applicazione semplice, pratica e comoda, la più utile di tutta la Svizzera!!

### 5/5 — Intéressant/efficace

*2026-02-13, version 54.1.0*

J’apprécie énormément l’envoi est rapide

### 5/5 — Merci

*2026-01-23*

Perfect

**Developer response:** Bonjour. Merci beaucoup pour votre feed-back positif ⭐. Nous sommes ravis que vous aimiez notre application 😊. Avec nos meilleures salutations, votre équipe UBS.

### 1/5 — Absolute Katastrophe

*2025-12-01*

Die App ist unzuverlässig und schlecht gemacht. Ich hatte Twint auf meine Kreditkarte umgestellt, jedoch kann ich die Umstellung nicht mehr ändern. Unbekannter Fehler. Der Support ist nicht erreichbar. Ich hab echt keine Lust mehr Twint zu benutzen. Apple Pay ist dem weiten voraus. In Garagen mit schlechter Internet Verbindung funktioniert es auch garnicht. Dazu funktioniert kein  copy & Paste in der App also muss ich viele Daten manuell eintippen. Für Zahlungen, wo der Wert manuell eingegeben werden muss, öffnet sich der Browser??? Dazu kann ich Twint nicht wie Apple Pay als standalone Gerät auf dem pc einrichten. Akku leer = keine Zahlungen. Twint hat sich als unausgereifte, unzuverlässige Zahlungsmethode herausgestellt, dazu ist die UBS Twint App nochmal besonders schlimm. Bis auf Nerven und Zeit hat mir die App nichts gebracht. Dinge funktioniere nicht, oder sind einfach nicht zünde gedacht. Als jemand der vom Fach ist, ist das leider ein Armutszeugnis welcher nur von Patriotismus lebt

**Developer response:** Guten Tag. Vielen Dank für Ihr Feedback. Es tut uns leid, dass Sie mit den TWINT Dienstleistungen nicht zufrieden sind. Gerne leiten wir Ihr Feedback an das Produktmanagement Team weiter. Beste Grüsse, Ihr UBS Team.

### 1/5 — Broken

*2025-11-15, version 54.1.0*

Creating new contacts is a pain: cannot access the address book and not even paste a number!
Now to make things worse: contacts are not saved anymore!
Please fix it urgently. Sending Twint with UBS isa horrible experience!

### 2/5 — Needs a Bit of Polish

*2025-10-18*

Please, could you make adding new contacts a bit easier? Having access to the phone’s contact list and being able to paste phone numbers with spaces (as it’s copied by default from the contact list) would be a great start!

**Developer response:** Hello. Thank you for your feedback and please excuse the inconvenience. Could you please send us more information about the issue at sh-ubs-twint-app@ubs.com, so that we can fix it 🛠️? Best, your UBS Team.

### 3/5 — contact are not updated

*2025-09-11, version 49.2*

contact are not updated

## Frequently asked questions about UBS TWINT

### What is UBS TWINT?

UBS TWINT is a widely used mobile payment app in Switzerland that allows users to send and receive money digitally using their smartphone. It facilitates cashless payments in various settings, including stores, online shops, and for services like parking.

### What are the key features of UBS TWINT?

Key features include sending and receiving money between individuals, making cashless payments at the point of sale via QR codes, paying for online purchases, settling parking fees, buying and sending digital vouchers, donating to charities, and withdrawing cash without an ATM. It also offers access to discount offers.

### Is UBS TWINT free to use?

The app itself is free to download and use for its core payment and money transfer functionalities. While the description mentions 'in-app purchases' and 'Super Deals,' these likely refer to purchasing vouchers or accessing discounts, rather than a fee for basic transactions.

### Who can use UBS TWINT?

The app is exclusively designed for individuals domiciled in Switzerland. This includes existing clients of UBS Switzerland AG and existing clients of other non-US subsidiaries of UBS Group AG who are domiciled in Switzerland, as well as other natural persons domiciled in Switzerland.

### How secure is UBS TWINT?

The app adheres to the security standards of Swiss banks, with all data remaining in Switzerland. It is protected by a 6-digit PIN or fingerprint authentication, and the account can be blocked at any time for added security.

## Version history (last 5 releases)

### 202.0.0 — 2026-08-03

• Improved transaction overview: Find your open and completed transactions even more easily and quickly. 
• We hope you like the new app version.

### 201.0.0 — 2026-05-11

• Brand-new QR code scanner: When paying, you can now switch directly to your desired payment method.
• Smooth experience: We’ve fixed errors and improved functionality.
• We hope you enjoy the new version of the app.

### 200.0.0 — 2026-03-17

• You can now find your latest executed transactions directly on the home screen.
• From now on, you can store all your loyalty cards in UBS TWINT.
• You can also set up controls on your lock screen and access your favorite UBS TWINT features even faster.
We hope you enjoy the new version of the app.

### 54.1.0 — 2025-11-03

We’ve updated the app: our home screen has a new design, and the menu is now optimized for more convenient browsing. Take a look at our brand-new design now.

### 54.0 — 2025-10-29

We’ve updated the app: our home screen has a new design, and the menu is now optimized for more convenient browsing. Take a look at our brand-new design now.

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All apps by UBS AG: https://appshunter.io/developer/369153318

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-26.*