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Head-to-head · Mobile Payment Apps

TWINT vs GrabPay

  • Updated Oct 2026
  • Both researched from official sources
  • 2 checks side by side
Higher score TWINT #6 in Mobile Payment Apps 8.8/10 Free plan Free plan✓ 0 of 5 features Visit TWINT
GrabPay #8 in Mobile Payment Apps 8.6/10 Free plan Free plan✓ 0 of 5 features Visit GrabPay

TWINT leads on 0 checks, GrabPay on 0, and 2 are even. Who comes out ahead on the 2 yes/no, price and count checks where we have data for both products. The editor score weighs everything else too.

Our verdict

  • Highest scoreTWINT · 8.8/10
  • Free planboth

TWINT scores higher on our rubric for mobile payment apps: 8.8 against 8.6 out of 10; our editors rank them #6 and #8.

TWINT is the better fit for swiss peer and merchant payments. GrabPay is the better fit for integrated wallet payments in Southeast Asia.

  • TWINT fits best

    Swiss peer and merchant payments

  • GrabPay fits best

    Integrated wallet payments in Southeast Asia

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Side by side

Feature TWINT 8.8/10 Visit ↗ GrabPay 8.6/10 Visit ↗
At a glance
Editor score 8.8 8.6
Ranking #6 in Mobile Payment Apps #8 in Mobile Payment Apps
Best for Swiss peer and merchant payments Integrated wallet payments in Southeast Asia
Pricing model Free Free
Starting price Free plan Free plan
Free plan ✓ ✓
Free trial — —
Deployment Mobile Mobile
Platforms iOS, Android iOS, Android
Support Phone, Live chat, Docs Phone, Docs
Built for Solo, Small business Solo
Features TWINT 0/5 · GrabPay 0/5
In-store payments Not checked yet Not checked yet
Peer transfers Not checked yet Not checked yet
Bill payment Not checked yet Not checked yet
QR payments Not checked yet Not checked yet
International transfers Not checked yet —
Specs
Mobile platforms Not checked yet Not checked yet
Our review
Pros
  • Sends money to other TWINT users in real time
  • Supports QR, online and in-app merchant payments
  • Adds payment requests, recurring payments and loyalty features
  • Pays for Grab rides, food and deliveries, plus online and QR purchases
  • Supports PayNow and card top-ups, peer transfers and eligible bank transfers
  • Offers GrabRewards points on eligible spending and PIN or biometric security
Cons
  • Primarily serves Switzerland’s domestic payment network
  • Some partner services, including certain withdrawals and parking, may cost extra
  • Available through mobile apps, with no desktop deployment listed
  • Designed around Singapore payment networks and services
  • Transfer options depend on verification, funding source and local rules
  • Available on iOS and Android, with mobile-only deployment
Our verdict

TWINT is a mobile payment app from TWINT AG for people in Switzerland who want to pay participating merchants and move money among friends and family. The iOS and Android apps support sending, requesting and splitting payments, with…

Read the review →

GrabPay Wallet is a stored-value wallet within the Grab app, aimed at people in Singapore who want to pay for Grab services and make other everyday payments from a mobile balance. It supports rides, food and deliveries, online checkout and…

Read the review →
  1. TWINTMobile Payment Apps 8.8Free plan
  2. GrabPayMobile Payment Apps 8.6Free plan

Strengths and trade-offs

  • TWINT — where it wins

    • Sends money to other TWINT users in real time
    • Supports QR, online and in-app merchant payments
    • Adds payment requests, recurring payments and loyalty features

    Where it doesn't

    • Primarily serves Switzerland’s domestic payment network
    • Some partner services, including certain withdrawals and parking, may cost extra
    • Available through mobile apps, with no desktop deployment listed

  • GrabPay — where it wins

    • Pays for Grab rides, food and deliveries, plus online and QR purchases
    • Supports PayNow and card top-ups, peer transfers and eligible bank transfers
    • Offers GrabRewards points on eligible spending and PIN or biometric security

    Where it doesn't

    • Designed around Singapore payment networks and services
    • Transfer options depend on verification, funding source and local rules
    • Available on iOS and Android, with mobile-only deployment
  • TWINT8.8/10 · Free plan

    A free mobile wallet for instant TWINT-to-TWINT payments and supported merchant checkout in Switzerland.

    Visit TWINTFull verdict →
  • GrabPay8.6/10 · Free plan

    A free Singapore-focused wallet for Grab payments, QR checkout and eligible transfers.

    Visit GrabPayFull verdict →

More comparisons

All mobile payment apps comparisons → · Full ranking →

Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026

Last updated · How we research and update