TWINT Reviews & Ratings 2026
This page is an audit of every publicly available review for TWINT — 7,535 reviews across 6 platforms — giving you a holistic, evidence-based view of TWINT's reputation. Below you'll find the overall rating, the themes customers raise, how sentiment has trended over time, and a SWOT summary — all grounded in the reviews and linked to their sources.
Key findings
- Across 7535 reviews on 6 portals, TWINT averages 3.8 out of 5 stars.
- Customers rate Delivery most positively (13 of 22 mentions positive).
- Returns & refunds draws the most criticism (9 of 9 mentions negative).
About TWINT
TWINT is a Swiss mobile payment app that allows users to pay with their smartphone at checkout counters, parking meters, and online, send money, split bills, buy vouchers, and withdraw cash. The app is used by private customers in Switzerland who need a daily digital solution for payments and small financial transactions. It is accepted in over 80 percent of retail stores and more than 80 percent of online shops in the country.
SWOT summary
Strengths
- Delivery: 69% positive across 22 mentions
- Fit & sizing: 69% positive across 12 mentions
Weaknesses
- Returns & refunds: 100% negative across 9 mentions
- Communication: 86% negative across 79 mentions
- Billing & payment: 78% negative across 133 mentions
Opportunities
- Address returns & refunds to lift overall sentiment
- Lean on strength in delivery in marketing
Threats
- Ongoing criticism of returns & refunds could deter new customers
Reviews by portal
The overall 3.8 / 5 score is weighted by review volume - portals with more reviews count proportionally more.
| Portal | Avg. rating | Count | Weight | Latest | Source |
|---|---|---|---|---|---|
| Google Play | 4.2 / 5 | 3,107 | 41.2% | View profile ↗ | |
| Google Play | 3.1 / 5 | 1,931 | 25.6% | View profile ↗ | |
| Google Play | 4.2 / 5 | 1,138 | 15.1% | View profile ↗ | |
| Apple App Store | 2.9 / 5 | 583 | 7.7% | View profile ↗ | |
| Apple App Store | 4.3 / 5 | 525 | 7% | View profile ↗ | |
| Apple App Store | 4.3 / 5 | 251 | 3.3% | View profile ↗ | |
| Weighted overall | 3.8 / 5 | 7,535 | 100% | ||
Themes in the reviews
Ordering & website324× mentions
64positive237negativeAcross 324 mentions, 20% of Ordering & website feedback is positive and 73% negative — Ordering & website is a common pain point.
Quality308× mentions
135positive165negativeAcross 308 mentions, 45% of Quality feedback is positive and 52% negative — Quality is a common pain point.
Customer service186× mentions
50positive130negativeAcross 186 mentions, 28% of Customer service feedback is positive and 68% negative — Customer service is a common pain point.
Billing & payment133× mentions
22positive105negativeAcross 133 mentions, 17% of Billing & payment feedback is positive and 78% negative — Billing & payment is a common pain point.
Communication79× mentions
4positive71negativeAcross 79 mentions, 5% of Communication feedback is positive and 86% negative — Communication is a common pain point.
Value for money60× mentions
27positive29negativeAcross 60 mentions, 46% of Value for money feedback is positive and 48% negative — Value for money is a mixed area.
Durability37× mentions
10positive27negativeAcross 37 mentions, 31% of Durability feedback is positive and 69% negative — Durability is a common pain point.
Delivery22× mentions
13positive7negativeAcross 22 mentions, 69% of Delivery feedback is positive and 20% negative — Delivery is largely positive.
Fit & sizing12× mentions
7positive2negativeAcross 12 mentions, 69% of Fit & sizing feedback is positive and 16% negative — Fit & sizing is largely positive.
Returns & refunds9× mentions
0positive9negativeAcross 9 mentions, 0% of Returns & refunds feedback is positive and 100% negative — Returns & refunds is a common pain point.
Packaging1× mentions
0positive0negativeAcross 1 mentions, 0% of Packaging feedback is positive and 0% negative — Packaging is a mixed area.
Themes over time
Data as table
| Month | Ordering & website | Quality | Customer service | Billing & payment | Communication | Value for money |
|---|---|---|---|---|---|---|
| 2025-07 | - | - | - | 2.8 | - | - |
| 2025-08 | - | - | - | 3.5 | - | 3.0 |
| 2025-09 | 2.2 | 3.2 | 2.8 | 2.4 | 1.7 | 2.0 |
| 2025-10 | 2.6 | 2.6 | 1.9 | 2.2 | 2.0 | 2.7 |
| 2025-11 | 2.5 | 2.4 | 1.1 | 2.0 | 2.1 | 2.0 |
| 2025-12 | 2.9 | 3.0 | 1.9 | 2.9 | 1.3 | 4.7 |
| 2026-01 | 3.1 | 3.9 | 3.3 | 3.4 | 2.7 | 4.0 |
| 2026-02 | 2.2 | 2.9 | 2.3 | - | 2.0 | 3.8 |
| 2026-03 | 2.6 | 3.0 | 3.4 | 2.3 | 1.5 | 1.0 |
| 2026-04 | 2.9 | 3.7 | 2.3 | 2.4 | 3.0 | 4.5 |
| 2026-05 | 2.6 | 3.2 | 2.7 | 1.5 | 1.0 | 4.6 |
| 2026-06 | 2.4 | 4.1 | 2.9 | 2.6 | 2.0 | 4.2 |
| 2026-07 | 2.2 | 2.8 | 2.3 | 1.5 | 1.5 | 4.7 |
| 2026-08 | 3.0 | 1.0 | 3.0 | - | 1.0 | - |
Rating trend
Data as table
| Month | Avg. rating | Count |
|---|---|---|
| 2025-09 | 3.48 | 67 |
| 2025-10 | 3.56 | 110 |
| 2025-11 | 3.15 | 128 |
| 2025-12 | 3.71 | 113 |
| 2026-01 | 4.01 | 158 |
| 2026-02 | 3.79 | 143 |
| 2026-03 | 3.65 | 115 |
| 2026-04 | 4.26 | 115 |
| 2026-05 | 3.60 | 124 |
| 2026-06 | 3.97 | 133 |
| 2026-07 | 3.58 | 138 |
| 2026-08 | 3.36 | 11 |
Sentiment over time
Data as table
| Month | Positive | Neutral | Negative | Count |
|---|---|---|---|---|
| 2025-09 | 52% | 6% | 42% | 67 |
| 2025-10 | 49% | 14% | 37% | 110 |
| 2025-11 | 40% | 9% | 51% | 128 |
| 2025-12 | 57% | 8% | 35% | 113 |
| 2026-01 | 65% | 8% | 27% | 158 |
| 2026-02 | 63% | 5% | 32% | 143 |
| 2026-03 | 57% | 3% | 40% | 115 |
| 2026-04 | 71% | 9% | 20% | 115 |
| 2026-05 | 57% | 4% | 39% | 124 |
| 2026-06 | 70% | 4% | 26% | 133 |
| 2026-07 | 59% | 2% | 38% | 138 |
| 2026-08 | 55% | 9% | 36% | 11 |
Products & services
- Später bezahlen - 54 mentions
Customer voices
Short excerpts - full reviews are available at the original source.
„I have disabled all system vibration and haptic feedback on my phone, yet this app still vibrates for nearly every interaction.“
„The constant vibration on almost every button press is extremely annoying.“
„Please Make it compatible with graphene os“
„do you like this app? please rate it!“
„does not support partial contact sharing“
„forced contact sharings“
„there’s too much marketing in the app“
„the setup was somewhat tedious“
What Reddit users say about TWINT
Additional source: 28 Reddit discussions about TWINT reviewed.
Below are extracts from Reddit discussions - each linked to the original thread.
„Twint is just a local solution with low fees“
„I know Shopify offers TWINT integration, but I've read they charge a 0.5%-2% transaction fee“
„Twint is not good“
„TWINT should partner with EU banks to offer a fully-integrated European payment system“
„there is a Twint widget that you can install on the main screen“
„Almost every week - sometimes multiple at once - Twint has some sort of raffle or "spin the wheel" or buy 6 times etc event going on“
„Unlike using Galaxus, though, I have so many questions about it!“
„Unused or unknown subscriptions in Twint can be dangerous“
„for foreigners from neighboring countries ...“
„that is only 149CHF in total, so it's a pretty good win“
„each Twint app connects to their own bank account system“
„With twint you first have to align to the qr-code, wait untill it's loaded and press ok.“
Frequently asked questions
Why is UBS Twint not working for some users, and what are the main issues with the UBS integration?
Reviewers report that the UBS Twint integration often fails to work, especially on devices not using Google Play, and users face difficulties updating payment methods without access to the UBS app. The app is described as unreliable, with frequent outages, particularly after being forced to use the UBS version.
App Instability
Reviewers report that the UBS Twint app frequently stops working, with some stating it has failed to function about six times when needed. The app is described as unreliable, especially after being forced to switch from the previous version to the UBS-integrated one.
Access Limitations
Users without a UBS account cannot update payment details because the process requires logging in via the UBS Access app. This creates a barrier for non-UBS customers who still want to use Twint. Some users also note that UBS APKs are not available for download on certain devices like high-end Huawei phones.
Integration Issues
While some reviewers suggest the app should be fully integrated into the UBS app, the current setup feels forced and problematic. The lack of a standalone Twint app for non-UBS users and the dependency on external apps are seen as major drawbacks.
What customers said:
- „UBS Twint stopped working, requires update.“
- „should be integrated in ubs app“
- „details cannot be updated without logging in via UBS access app“
- „Fine when it works but stops working far too often“
Why is TWINT not working properly right now? What are the most common issues?
Customers report recurring technical issues in the TWINT app that significantly impair the ability to pay and use the service.
Common Issues
Reviewers report that the TWINT app has been experiencing frequent technical issues for several days or after the last update, making payments impossible. Many describe the app as unusable due to constant error messages.
Payment Problems
Especially, during payments, the message 'Technical Error' frequently appears, making the app's use for daily life impossible. The payment function via Beacon also works only sporadically.
Reliability Issues
The disruptions are so frequent that users now only have a 50/50 chance that a payment will work. The repeated failures significantly undermine trust in the app.
What customers said:
- „Häufige technische Störungen seit dem letzten Update“
- „immer wieder störungen“
- „die vielen Störungen sind auch nicht akzeptabel.“
- „bei Anforderungen werden die ganze Zeit technische Fehlermeldungen angezeigt“
How reliable and user-friendly is TWINT for payments, especially regarding fraud protection and app performance?
Reviewers report mixed experiences with TWINT's integration and functionality, particularly around payment reliability and customer support, though many appreciate its ease of use and convenience for everyday transactions.
Ease of Use
Many users praise TWINT for being fast, easy to use, and reliable for sending money and paying in stores via QR code. Several reviewers highlight its smooth integration with contacts and consistent performance over time, calling it convenient and secure.
Reliability Issues
A significant number of negative reviews cite serious issues with transaction reliability, including missing payment history, unexplained cancellations, and inability to report fraud. Some users also report technical problems like app crashes and installation failures on certain devices, undermining trust in the system.
Customer Support
Customers frequently express frustration with customer service, describing it as unhelpful and reliant on AI bots. There is a strong demand for better support, especially when dealing with disputed transactions or account issues, which many feel are not properly addressed.
What customers said:
- „Sometimes you send money and you see that you were debited only to come back later and…“
„Sometimes you send money and you see that you were debited only to come back later and see no history of the transaction whatsoever“
- „Helpful app, to send money conveniently 💵 to friends.“
- „it is so easy to use and send money!“
- „Handy, easy, problem free, and secure for two years now.“
How is the Raiffeisen-TWINT app rated compared to other bank TWINT providers, and what issues have users reported?
The Raiffeisen-TWINT app is highly trusted and well integrated, especially for everyday payments with family, friends, and local shops. Many users appreciate the direct connection to their Raiffeisen account and find it more reliable than TWINT from other Swiss banks. However, there is criticism regarding the user interface, which is difficult to read for visually impaired users and confusing for new devices due to misleading selection questions.
Trust & Integration
Reviewers report that the Raiffeisen-TWINT app is highly trusted and well integrated, especially for everyday payments with family, friends, and local shops. Many appreciate the direct connection to their Raiffeisen account and find it more reliable than TWINT from other Swiss banks.
User Interface
Users criticize the user interface, which is difficult to read for visually impaired users and confusing for new devices due to misleading selection questions.
Functions & Flexibility
Some customers report that the app cannot accommodate both accounts, which is perceived as a lack of flexibility. Also, there is no overview of monthly expenses, which would require a useful feature like an expense report or statistical function.
What customers said:
- „Die Twint App bringt es nicht fertig beide Konti aufzunehmen.“
- „Raiffeisen fragt, ob es auf Kontakte zugreifen darf wenn man die Nr eintippen will.“
- „die anfangsfrage wenn ich mich bei einem neuen gerät bei raiffeisen twint regeistrieren…“
„die anfangsfrage wenn ich mich bei einem neuen gerät bei raiffeisen twint regeistrieren möchte ist schlicht falsch!“
- „Es wäre sehr hilfreich, wenn man in der App sehen könnte, wie viel man pro Monat mit…“
„Es wäre sehr hilfreich, wenn man in der App sehen könnte, wie viel man pro Monat mit TWINT bezahlt hat, z. B. mit einem Ausgabenbericht oder einer Statistikfunktion.“
Why can I not send money with TWINT even though I have sufficient credit, and what are the limits?
TWINT imposes strict monthly and annual limits on Prepaid accounts and non-linked bank accounts, which are often perceived as too low and unchangeable. Customers report being unable to send money despite having sufficient credit, which leads to significant frustration.
Monthly Limits
Reviewers report that TWINT sets a monthly limit of 1000 Swiss Francs for Prepaid accounts, which is often considered too low. Even small amounts like 10 Swiss Francs cannot be transferred once the limit is reached, leading to considerable frustration.
Annual Limit
The annual limit is particularly irritating as it cannot be exceeded even with sufficient credit. Some users report being suddenly confronted with the message 'Annual limit reached' without any prior warning, even though it is still October.
Unadjustable and Opaque
The limits are not adjustable and are often criticized as opaque and inflexible. Some users wish for better visibility of their remaining limits directly in the app interface to better plan their transactions.
What customers said:
- „Toll wäre, wenn man sein „CHF Limite pro Monat“ irgendwo im Twint sehen könnte.“
- „die monatliche Limite von 1000 Fr.“
- „Bis es plötzlich und ohne Vorwarnung heißt: Jahreslimite erreicht!“
- „prepaid hat limite. Kann kein Geld mehr versenden,nicht mal 50fr.“
Where can I find the TWINT support telephone number?
Reviewers report that TWINT's customer support is difficult to reach, with many complaining about lack of human assistance and reliance on AI bots. While some users praise the app's functionality, the absence of a clear phone number for support is a recurring frustration.
No Phone Support
Several reviewers explicitly state that there is no accessible phone number for TWINT support. One user called out the lack of real customer service, saying the only option is an AI bot, which fails to resolve issues effectively.
Limited Access
Despite the app's widespread use in Switzerland, users report being unable to contact support through traditional means. Some mention being blocked from signing up due to phone number restrictions, highlighting a gap in support for international users.
Ineffective Alternatives
A few positive reviews mention helpful support experiences, but these are rare and not tied to phone contact. Most users rely on in-app help or email, which are seen as slow and ineffective compared to direct phone access.
What customers said:
- „provide a customer service that is not just an AI bot“
- „there's absolutely no support for this app“
- „Thanks for the support“
- „Attempted to sign up to pay for parking in Bern, but due to the stipulation of using a…“
„Attempted to sign up to pay for parking in Bern, but due to the stipulation of using a Swiss/german phone number to get a security code I was unable to.“
How is the availability and quality of the TWINT hotline?
The TWINT hotline is only accessible via phone, which is seen as a major inconvenience. Many users express frustration over long waiting times, with some stating they must wait up to 15 minutes just to speak to an agent.
Availability
Reviewers report that the TWINT hotline is accessible only by phone, which is seen as a major inconvenience. Many users express frustration over long waiting times, with some stating they must wait up to 15 minutes just to speak to an agent.
Cost & Waiting Time
The hotline is criticized for being expensive and inefficient, with users describing the cost as prohibitive. Some reviewers mention they chose not to use the hotline at all due to these concerns, even when facing serious app issues.
Service Quality
Despite the negative experiences, a few reviewers note that the hotline staff are respectful and helpful when reached. However, this positive interaction is overshadowed by the overall difficulty in accessing support.
What customers said:
- „um Probleme zu beheben muss man dann 15 Minuten in der Hotline warten“
- „Kontaktierung Kundendienst nur per Telefon möglich, teure Hotline mit langer Wartezeit.“
- „Hotline Mitarbeiter war respektvoll und hilfsbereit“
- „Und nein, ich habe keine Lust mich an die kostenpflichtige Hotline zu wenden.“
How do I set up the TWINT app, and what difficulties might I encounter during the setup process?
Many users find the setup of the TWINT app to be difficult and error-prone, especially when setting up security features like Face ID or verifying with a code. Some reports suggest technical issues and a lack of support options.
Setup Issues
Reviewers report that the app setup often goes wrong, particularly when verifying with a code or setting up Face ID. Many users say they cannot enter the code or do not receive clear instructions.
Lack of Support
The lack or unavailability of a hotline is particularly criticized. Some users complain that they do not receive support when they get stuck during setup, which exacerbates the problems.
Technical Limitations
Some users report that the app does not work properly with poor internet connection or on certain Android versions. The absence of copy and paste functionality also significantly hinders data entry.
What customers said:
- „Für mich ist unklar, wie ich Face ID einrichten kann…“
- „Der Support ist nicht erreichbar.“
- „Gibts da keine hotline nummer?“
- „App friert ein beim Aufnehmen der Ausweise!“
Why does TWINT have issues with PostFinance when using it on multiple devices or switching devices?
Users often report problems with the connection between TWINT and PostFinance, especially when using it on multiple devices and switching smartphones. Some users experience automatically activated payments and delayed credit postings.
Device Limitations
Reviewers note that PostFinance prevents the installation of TWINT on multiple mobile phones with the same phone number, which is seen as a significant drawback. Some users feel restricted, especially if they want to use multiple devices.
Device Switching Difficult
Switching devices is described as time-consuming, often feeling like it takes 90% of the time. This leads to frustration, especially for users who expect a smooth experience.
Delayed Credits & Unauthorized Payments
There are also reports of delayed credit postings, which can take several hours. Also, the automatic activation of payments without consent is criticized as unwanted.
What customers said:
- „Wenn ich eine Zahlung erhalte dauert es mehere Stunden bis es auf dem Konto…“
„Wenn ich eine Zahlung erhalte dauert es mehere Stunden bis es auf dem Konto gutschreiben wird.“
- „Leider ist ein Wechsel des Gerätes bei Postfinance jedesmal eine Herausforderung“
- „Postfinance verhindert die Installation auf mehreren Mobiltelefonen mit derselben…“
„Postfinance verhindert die Installation auf mehreren Mobiltelefonen mit derselben Telefonnummer.“
How can I contact UBS TWINT support or get help with issues related to the UBS-integrated TWINT app?
Reviewers report that the UBS-integrated TWINT app has frequent technical issues, especially on non-Google devices, and that support is difficult to access without the UBS Access app. There is no direct hotline mentioned in the reviews, and users face challenges updating payment details or resolving app failures.
App Instability
Reviewers frequently report that the UBS-integrated TWINT app stops working unexpectedly, sometimes multiple times in a short period. Some users note that the app worked reliably before being forced to switch to the UBS version, but now fails during critical moments like payments.
Access Barriers
Users without a UBS account cannot access the UBS Access app, which is required to update payment details or resolve certain issues. This creates a major hurdle for non-UBS customers trying to use or fix the TWINT app.
No Direct Hotline
No mention of a dedicated TWINT hotline or customer service number is found in the reviews. Instead, users are left to troubleshoot issues on their own, especially when the app fails on devices not supported by Google Play, such as certain Huawei models.
What customers said:
- „Please make UBS APKs available for download for your Swiss customers using high-end…“
„Please make UBS APKs available for download for your Swiss customers using high-end terminals not running Google Play store“
- „details cannot be updated without logging in via UBS access app“
- „previously never any issues with the CS app“
- „should be integrated in ubs app“