Question 1

How does TWINT's 'Pay Later' feature work, and what are users' experiences with it?

Accepted Answer

The 'Pay Later' feature in TWINT allows users to make purchases now and pay later, but some users report issues with transaction visibility and payment method updates, especially for non-UBS customers.

Functionality: Reviewers report that the 'Pay Later' function works well for quick bill payments and is generally easy to use, with one user calling it 'easy, quick and sufficient' and exceeding expectations in that regard.

Reliability Issues: Some users have experienced problems with transaction history, including payments that appear debited but do not show up in the app's history, and no clear explanation was provided for cancellations.

Access Limitations: Non-UBS customers face difficulties updating payment methods, as the app requires logging in through the UBS Access app, which is not accessible to those without a UBS account, limiting access for some users.

Question 2

Can I update my payment method in TWINT if I don’t have a UBS account?

Accepted Answer

Yes, you can update your payment method even if you're not a UBS customer, but some users report technical issues that prevent updates unless logged in through the UBS app.

Access Limitation: Reviewers who are not UBS customers report being unable to update their payment methods due to system requirements that force login via the UBS Access app. This creates a barrier for non-UBS users trying to manage their payment details.

Technical Issues: Some users describe the process as broken or inconsistent, with transactions disappearing from history or payments being canceled without explanation. These issues suggest underlying technical flaws that may affect payment method updates.

User Experience: Despite the problems, others find TWINT fast and effective for everyday payments, especially for quick bill payments. The app remains widely used, even with its flaws, due to its convenience and integration in Swiss daily life.

Question 3

Can I cancel a payment after it’s been sent via TWINT?

Accepted Answer

No, you cannot cancel a payment after it has been sent through TWINT. Once a transaction is completed, it is final and cannot be reversed.

No Cancellation Option: Reviewers report that once a payment is sent through TWINT, it cannot be canceled or reversed. One user described a situation where a payment was debited but later disappeared from the transaction history entirely, with no explanation provided.

No Dispute or Fraud Tools: Several users expressed frustration over the lack of control after sending money. One reviewer noted that even fraudulent transactions cannot be flagged or disputed, leaving users with no recourse if a payment is sent in error.

Trade-Off: Speed vs. Control: Despite the lack of cancellation features, some users still find TWINT convenient for quick payments. However, this convenience comes at the cost of finality and user protection, which many find unacceptable.

Question 4

Why can't I flag a payment as fraudulent in the TWINT app?

Accepted Answer

The TWINT app does not currently allow users to flag transactions as fraudulent, which has frustrated some customers who feel the platform lacks proper tools for reporting suspicious activity.

No Fraud Reporting Tool: Reviewers report that the TWINT app does not provide a way to mark payments as fraudulent, even when transactions appear suspicious or disappear from the history. This lack of functionality has led to frustration, especially when users are unable to report issues or seek support.

Missing Transaction History: Some users have experienced transactions that were debited but never appeared in their history, with no explanation provided. These incidents have raised concerns about accountability, as users feel the app takes money without offering recourse or transparency.

Mixed User Experience: Despite the shortcomings, some users still find TWINT convenient for everyday payments and appreciate its speed and integration. However, the absence of fraud protection features remains a significant drawback for those concerned about security.

Question 5

Why can't I change my payment details in TWINT without using the UBS app?

Accepted Answer

You cannot change your payment details in the TWINT app without using the UBS app because TWINT requires UBS authentication for certain account changes, even though this creates issues for non-UBS customers.

UBS App Requirement: Reviewers report that updating payment methods in TWINT requires logging in through the UBS Access app, which is a major barrier for users who are not UBS customers. This restriction is seen as unnecessarily limiting and frustrating, especially since it prevents access to basic account management features.

Exclusion of Non-UBS Users: Many users express frustration that they are locked out of managing their payment details simply because they don’t have a UBS account. This creates a dependency on a third-party bank app that isn’t accessible to everyone, undermining the app’s claim to be a universal payment solution.

Practical Limitation: Despite the limitations, some users still find TWINT useful for quick payments and bill splitting, but the inability to update payment details without UBS access is consistently cited as a major drawback. The lack of a standalone option for this basic function is seen as a design flaw.

Question 6

What happens if a payment shows as debited but doesn’t appear in my transaction history?

Accepted Answer

Reviewers report that some users experience payments being debited from their account without the transaction appearing in their history, leading to confusion and frustration. In some cases, these payments are canceled without explanation, and users are unable to dispute or report such issues.

Missing Transactions: Some users report that money is debited from their account, but the transaction does not show up in their TWINT history. This creates uncertainty about whether the payment was actually processed or lost. One reviewer described this as a 'cancelled payment without any reason provided.'

No Dispute Options: Users are unable to file fraud claims or mark payments as fraudulent, even when transactions disappear. This lack of recourse is a major concern, with one reviewer criticizing TWINT for taking profits without accepting responsibility for such issues.

User Frustration: Despite the app’s convenience for quick payments, the inconsistency in transaction visibility causes significant frustration. One reviewer called the app 'garbage' but noted there is no widely adopted alternative in Switzerland, leaving users with little choice.

Question 7

Are there any known issues with transaction history not showing up in TWINT?

Accepted Answer

Yes, some users have reported issues with transaction history not appearing, particularly when payments are canceled without explanation or when funds are debited but not reflected in the transaction log.

Missing Transactions: Reviewers report that transactions sometimes disappear from the history after being debited, with no clear explanation provided. In one case, a user sent money, saw the debit, but later found no record of the transaction in their history.

App Reliability: Some users describe the app as unreliable for recording payments, with one stating the app is 'garbage' due to these inconsistencies. The lack of transparency around canceled payments adds to the frustration.

No Real Alternative: Despite these issues, users note there is no widely adopted alternative in Switzerland, so they continue using TWINT despite its flaws. The problem appears to be persistent and not isolated to a single user.

Month	Avg. rating	Count
2025-07	2.75	4
2025-08	3.50	2
2025-09	2.43	7
2025-10	2.22	9
2025-11	2.00	12
2025-12	2.88	8
2026-01	3.44	9
2026-03	2.33	3
2026-04	2.43	7
2026-05	1.50	8
2026-06	2.64	11
2026-07	1.50	6

Month	Positive	Neutral	Negative	Count
2025-07	25%	0%	75%	4
2025-08	50%	0%	50%	2
2025-09	29%	0%	71%	7
2025-10	22%	0%	78%	9
2025-11	8%	0%	92%	12
2025-12	38%	0%	63%	8
2026-01	0%	11%	89%	9
2026-03	33%	0%	67%	3
2026-04	14%	14%	71%	7
2026-05	13%	0%	88%	8
2026-06	27%	9%	64%	11
2026-07	0%	0%	100%	6

TWINT: Billing & payment experiences

What customers praise

Common complaints

How it has changed over time

Practical takeaways

Over time

Sentiment over time

Customer voices