# UBS TWINT vs Swatch Pay

The clearest difference is rating: UBS TWINT at 4.9 against Swatch Pay's 4.3. UBS TWINT also leads on ratings volume (1.7K vs 24) and review sentiment (32% vs 14%). Swatch Pay's advantage is monetization model (free vs free with in-app purchases) and update cadence (every 3 weeks vs every 2 months). On price, ads, in-app purchases and device support there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

UBS TWINT holds the better App Store score, 4.9 against 4.3. That said, the two scores are not equally well evidenced: UBS TWINT has 1.7K ratings behind it against 24, so its average is the more settled of the two. Written reviews point the same way: 32% of UBS TWINT's written reviews are positive against 14% of Swatch Pay's.

UBS TWINT ships an update every 2 months, Swatch Pay every 3 weeks. Both last shipped on October 25, 2026.

## The numbers

| Metric | UBS TWINT | Swatch Pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.9 (1.7K ratings)](https://appshunter.io/ios/app/ubs-twint/id989192632/reviews)** | [4.3 (24 ratings)](https://appshunter.io/ios/app/swatch-pay/id1525248439/reviews) |
| Number of ratings | **1.7K** | 24 |
| Positive reviews | **32.0% of reviews** | 14.3% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | **Every 3 weeks** |
| Monetization | Free with in-app purchases | **Free** |
| Size | 59 MB | 49 MB |
| Requires iOS | 18.0 | **15.0** |
| Devices | iPhone | **iPhone, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [UBS AG](https://appshunter.io/developer/369153318) | [SWATCH LTD](https://appshunter.io/developer/413528441) |

## What reviewers say

### UBS TWINT

[App page](https://appshunter.io/ios/app/ubs-twint/id989192632)

This app enables secure and convenient mobile payments, allowing users to send and receive money digitally. It facilitates cashless transactions in stores, online, and for services like parking, while also offering features for vouchers, donations, and cash withdrawals.

**Highlights:** 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

**Features:** Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

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

**Reported bugs**

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

**Requested features**

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


### Swatch Pay

[App page](https://appshunter.io/ios/app/swatch-pay/id1525248439)

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.

**Highlights:** Link payment cards to watch, Contactless payments, Track payment history, Suspend/delete payment function, Secure payment verification

**In-app purchases:** none


## Frequently asked questions

### Is UBS TWINT free?

UBS TWINT is free to download, with no in-app purchases.

### Is Swatch Pay free?

Swatch Pay is free to download, with no in-app purchases.

### Which has better reviews, UBS TWINT or Swatch Pay?

UBS TWINT is rated higher. UBS TWINT averages 4.9 out of 5 from 1.7K ratings, while Swatch Pay averages 4.3 from 24 ratings.

### Do UBS TWINT or Swatch Pay have ads?

Neither UBS TWINT nor Swatch Pay shows ads.

### Which is updated more often, UBS TWINT or Swatch Pay?

UBS TWINT ships an update every 2 months, and Swatch Pay every 3 weeks. Most recently, UBS TWINT was updated on October 25, 2026 and Swatch Pay on October 25, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*