Swatch Pay vs debiX+
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Swatch Pay
This app allows you to link your payment card to your compatible watch for contactless payments. Track your transactions and manage your payment functions securely and conveniently from your smartphone.
- Link payment cards to watch
- Contactless payments
- Track payment history
- Suspend/delete payment function
- Secure payment verification
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Your Swatch watch just got even cooler! Thanks to Swatch Pay, making contactless payments is super-stylish and easy. It’s the ultimate blend of convenience and self-expression. Setting up your Swatch Pay is a breeze with our app. Just link your payment card to your Swatch Pay watch using the app and you’re good to go! Leave your wallet at home, because all you need is your Swatch Pay watch for secure, hassle-free payments wherever you are. Here's why you'll love the Swatch Pay app and paying with your Swatch Paywatch - Making payments is seriously simple. Just bring your Swatch Pay watch close to the payment terminal, and you’re all set. - Payments are verified by Visa and Mastercard, so you know you’re in safe hands. - Track the payments you’ve made with your Swatch Pay watch and stay on top of your spending using the Swatch Pay app. - Easily suspend or delete the payment function using the Swatch Pay app in case your watch goes missing. - Using Swatch Pay wont affect your watch's battery life, so you’re always ready to pay! And that is not all! Swatch Pay watches, like all Swatch watches, are water-resistant and meet the Swiss-made high quality standards, making them perfect for your active lifestyle!
debiX+
Manage your debit card digitally with this app. Authorize online purchases, view transactions, and control card settings securely. It offers biometric authentication and contactless payment options.
- Secure online purchase authorization
- Biometric authentication
- View debit card transactions
- Digital card deposit to wallets
- Contactless mobile payments
- Card settings and controls
- Push notifications for transactions
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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.
Screenshots
Verdict
The clearest difference is rating: Swatch Pay at 4.4 against debiX+'s 4.2. Swatch Pay also leads on update cadence (every 2 weeks vs every 6 weeks). On price, review sentiment, ratings volume and ads there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Swatch Pay holds the better App Store score, 4.4 against 4.2. Both are backed by a comparable volume of ratings — 21 and 41 respectively. Written reviews point the same way: 17% of Swatch Pay's written reviews are positive against 15% of debiX+'s.
Swatch Pay ships an update every 2 weeks, debiX+ every 6 weeks. The most recent releases landed on October 13, 2026 and October 15, 2026 respectively.
| Parameter | Swatch Pay | debiX+ |
|---|---|---|
| Price | Free | Free |
| Rating | 4.4 (21 ratings) — better | 4.2 (41 ratings) |
| Positive reviews | 16.7% of reviews — better | 14.7% of reviews |
| Number of ratings | 21 | 41 — better |
| Update frequency | Every 2 weeks — better | Every 6 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod — better | iPhone |
| Requires iOS | 15.0 — better | 16.4 |
| Further details — not scored | ||
| Size | 70 MB | 51 MB |
| Age rating | 4+ | 4+ |
| Developer | SWATCH LTD | SIX |
Customer experience
Swatch Pay
debiX+
In-app purchases
Swatch Pay
No in-app purchases
debiX+
No in-app purchases









