TWINT
TWINT: A free Swiss wallet for instant P2P transfers, merchant payments and everyday spending. Ranked #59 of 81 in Money Transfer Apps by our editors (5.3/10); pricing: Free plan; best for free Swiss wallet payments and P2P transfers.
At a glance
- Editor score5.3 / 10
- PricingFree plan
- Best forFree Swiss wallet payments and P2P transfers
- Free planYes
- Paid fromFree
- Transfer speedInstant
- Founded2016 · Zurich, Switzerland
- Facts checked22 Sep 2026
Where it wins
- Free instant transfers between TWINT users
- QR, online and in-app merchant payments
- Requests, splits, recurring payments and cash withdrawals
Where it doesn't
- Primarily focused on Swiss domestic payments
- Mobile-only on iOS and Android
- Partner-specific fees can apply to some services
Our verdict on TWINT
TWINT is a mobile payment app for everyday spending and peer-to-peer transfers in Switzerland. Users can send, request and split money with friends and family, with transfers between TWINT users arriving in real time. It also supports QR payments at participating merchants, online and in-app checkout, vending machines, parking facilities, loyalty cards, digital vouchers and recurring merchant payments. The app is available on iOS and Android through TWINT or participating Swiss banks, making it a fit for solo users and small-scale personal payment needs.
The free pricing model is a central strength. The published plan structure shows a free service with no upfront transfer fee, wallet-based recipients and instant transfers. Beyond sending money, the feature set covers payment requests, bill splitting, transaction history and details, recurring merchant payments, and transfer tracking. Cash withdrawals through participating partner shops add a physical cash option, although partner-specific fees can apply to some withdrawals and parking services. Support is available through phone, chat and documentation, while support is not offered around the clock.
TWINT’s strongest fit is a Swiss domestic payment network rather than a broad bank or international transfer service. Its combination of wallet transfers, merchant QR payments and mobile checkout works well for people who want one app for routine payments, shared expenses and selected merchant services. The focus is narrower for anyone seeking broad international coverage, wider bank-transfer functionality or a desktop experience. Choose TWINT for free Swiss wallet payments and everyday mobile transactions; consider an alternative when cross-border reach or non-mobile access is a primary requirement.
Your product? Our editors can test TWINT in depth and publish a review, labelled as paid · from $149/mo →
TWINT pricing
TWINT fact sheet
| Free plan | Yes |
|---|---|
| Paid from | Free |
| Recipient methods | Wallet |
| Transfer speed | Instant |
| Exchange-rate model | Not verified |
| Mobile platforms | Both |
| Upfront fee display | Yes |
| Transfer tracking | Yes |
| Scheduled transfers | Yes |
| Deployment | Mobile |
| Platforms | iOS, Android |
| Support | Phone, Live chat, Docs |
| Built for | Solo, Small business (editorial estimate) |
| Pricing | Free plan (source) |
| Website | twint.ch |
| Facts checked | 22 Sep 2026 |
Alternatives to TWINT
- WiseA transparent option for international transfers across web and mobile.9.4
- TransferGoA flexible transfer service with a free multicurrency wallet and upfront pricing.9.2
- Xe Money TransferA broad international transfer service with transparent quotes, tracking, and multiple delivery methods.9.0
Also Ranked In
TWINT is ranked in 2 of our directories.
Used TWINT? Be the first to review it
The editor score above is our own research. What this page doesn't have yet is a reader's view — what you used TWINT for, what worked and what didn't. No stars are seeded and no review is paid for; an editor reads every one before it appears.
Write a reviewTwo minutes · verified accounts only · read by an editor before it appears
Featured on iTechGuides
TWINT is listed in our Money Transfer Apps directory. Add the badge to your site — it links back to this page.
<a href="https://www.itechguides.com/products/twint/"><img src="https://www.itechguides.com/best/badge/twint.svg" alt="Featured on iTechGuides" width="230" height="46"></a>
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
Advertiser disclosure: iTechGuides is reader-supported. Vendors can pay for top positions in our rankings and for a place on other products' pages, and we may earn a commission when you click some links. Bought places stand at the number bought; this page and our disclosure say so. Paying vendors may get a fuller, more detailed review from our editors, and that review can change their score. How we rank.
Last updated · How we research and update