Leonor, 26

"My card wouldn’t work in this bar and I had no cash. Someone said to me: ‘Have you got TWINT?’ He paid, I TWINTed, we had a drink. So cool!"

Antonio, 25

"In my circle of friends I’m always the one borrowing money – and then forgetting to pay it back. With TWINT my friends can gently remind me to pay them back with a friendly message."

Nils, 22

"When I go home late at night from a club and see a Selecta vending machine, I can buy some gummi bears even if I don’t have any change thanks to TWINT. #hero."

Stefanie, 17

"Buy stuff online without always having to enter your card details. Just scan the QR code and you’re done. Online shopping is that much easier. Yes!"

Here’s how UBS TWINT works

Pay on an online shop – such as Digitec, Galaxus or Starticket – quickly and securely with your smartphone. In addition, you can use UBS TWINT to send or request money in real time.