ZKB TWINT vs debiX+

ZKB TWINT, the Swiss payment app. With ZKB TWINT, Zürcher Kantonalbank’s free payment app, you can pay conveniently and securely at the checkout, in online shops or among friends. One app, many advantages: - Fast: Send, receive and request money around the clock in real time – from smartphone to smartphone. - Convenient Easy payment in online shops, at supermarket checkouts, in canteens and at vending machines. - Straightforward: Register in just a few steps using the ZKB Mobile Banking app or ZKB Visa Debit Card. - Free of charge: Using ZKB TWINT is free of charge; no transaction fees are incurred. - Secure: Access the app using a six-digit numerical code (PIN), fingerprint (Touch ID) or face recognition (Face ID). ZKB TWINT also fully meets the security standards of Swiss banks. - Simple: Debits are charged directly to your bank account. The app does not have to be topped up with money first. - Widely accepted: Whether among friends, at tills, in restaurants or online shops – you have everything you need with Switzerland's leading payment app. - Flexible: The ZKB TWINT app shows you the current limits and the amount still available. You can adjust your limits yourself with just a few taps, with immediate effect. - Transparent: Thanks to the full-text search, you can quickly find your ZKB TWINT transactions in the history section – you can search by contact, merchant name, telephone number or message. One app, many functions: - Send and request money: ZKB TWINT allows you to transfer money in real time – simply from smartphone to smartphone. And you can request and receive amounts from friends or family members. Adding a photo and a few nice words allows you to make your message personal and friendly. - Pay simply and conveniently: ZKB TWINT lets you pay in online shops, at supermarket tills, in canteens and at vending machines. - Twint parking fees: Start the parking process directly from the app or scan the QR code on the parking meter and select the desired parking time. Practical: If you return earlier than planned, simply cancel the parking time and the outstanding amount will be refunded to you. - Donate: With ZKB TWINT, you can pay for your donation to numerous organisations directly from the app. - Withdraw cash: Using your ZKB TWINT app, you can withdraw cash in over 2,300 shops such as K Kiosks, Volg, pharmacies, fuel stations or restaurants. - Digital vouchers and credits: Buy digital vouchers and credits for your favourite shops quickly and at any time. Display the code directly or access it at any time via ZKB TWINT. You can also pass on the voucher code directly via email. - Buy public transport tickets: Simply save ZKB TWINT in your public transport app as your preferred payment method or pay via QR code at vending machines or in online shops. - Super deals: Every week, you can find especially attractive deals that are only available in the TWINT app. Easy registration: 1. Install ZKB TWINT on your smartphone 2. Register using the ZKB Mobile Banking app or ZKB Visa Debit Card 3. Twint and benefit from the many advantages Requirements: - Possession of a cell phone number with the country code Switzerland (+41), Germany (+49), France (+33), Liechtenstein (+423), Italy (+39) or Austria (+43) and a Swiss residential address - A smartphone with the following minimum operating system versions: iOS 15.0 or newer - Own transaction account with Zürcher Kantonalbank in Swiss francs, such as a ZKB Private Account or ZKB Private Account Young. Linking with a ZKB corporate account is not possible. - Active ZKB Mobile Banking on the same device or a ZKB Visa Debit Card issued in your name - Internet access - Minimum age: 10 years Further information: www.zkb.ch/twint Zürcher Kantonalbank eBanking: www.zkb.ch/ebanking

PREREQUISITE: You need a registration code (OTRC) to link your debit card or TWINT account to the app. You will receive the OTRC code from your bank. IMPORTANT: SIX will never ask you to disclose your card or login details via email, phone or SMS. Once successfully registered, you can benefit from the new digital features associated with your debit card or use security-related TWINT functions. The app ensures maximum security through hardened native app frameworks and 2-factor biometric authentication methods. Easy and secure online purchases: - Authorize online purchases using the secure 3D Secure procedure directly in the app. - Using biometrics, you can approve 3D Secure payments even more easily. - Debit card not at hand right now to make an online payment? No problem, look up your card details directly in the app. Keep an eye on your debit card transactions: - Overview of all debit card transactions in the last 100 days and max. 200 transactions (more account transactions can be found in your e-Banking). - Debit card transactions are immediately displayed to you as a push notification. - Set limits for push notifications Keep track of and manage your digital debit cards: - Shows which online provider or wallet your debit card is digitally deposited with. - You can block and unblock the digitally deposited debit card or delete it altogether. - An existing subscription is not affected by a block or cancellation. The merchant cannot make a charge to a blocked or deleted digital debit card and no transaction can be made at the payment wallet. - Give your debit card a name to better distinguish it from the others. - Look up the details of the debit card directly in the app if you don't have the physical card at hand. Mobile Payments - Did you know you can also use your debit card to make contactless payments with your smartphone? - Deposit your debit card from the app directly into the payment wallet on your device if your bank is setup for it. - Pay at all NFC terminals worldwide without opening the app for it. Card settings: - You can use the card settings to influence online shopping, cash withdrawals at ATMs, transactions to gambling & betting or contactless payment (if your bank is enabled for it). - Give your debit card a name in your card settings. This helps especially if you have multiple debit cards. - Remove individual debit cards from the app in your card's settings if needed. Please note that you will need a new OTRC code from your bank if you want to register the debit card in the app again. - Look up the debit card details directly in the app if you don't have the physical card handy. - Change your debit card PIN directly in the app. For a virtual debit card, the PIN is active immediately. If you have a physical debit card, you need to use the new PIN to withdraw money once at ATMs (not Postomats) or to make a balance inquiry so that you can pay in stores with the PIN. TWINT: Link your TWINT account to the debiX+ app to confirm the execution of security-critical TWINT functions (e.g., re-registration or the authorization of certain payments). NOTE: debiX+ works for Visa Debit and Debit Mastercard cardholders from selected banks in Switzerland and Liechtenstein, and for TWINT accounts from selected banks in Switzerland.