What does TWINT cover?
TWINT AG (app «Prepaid TWINT & andere Banken»; for bank TWINT apps see the respective bank) (Card issuer): we read no business products and no private products, plus 2 rules on refunds.
As of
On this page
When do you get your money back?
This is how the terms of TWINT deal with misuse of a card, account or app.
The bank first: private products pay only what the bank or card issuer does not cover (Mobiliar at most 3 events per year; Zurich only after the bank’s written refusal). Block the card immediately and file a report. Haushalt- und Gebäudeversicherung, Kundeninformationen und Allgemeine Bedingungen (Hausrat, Wertsachen, Privathaftpflicht, Gebäude, Haustiere, Cyberversicherung, Vertragsrechtsschutz), Ausgabe 04.2025, Art. B Ziff. 5, PDF-S. 42Where does it say so?
«Versichert sind maximal 3 Schadenereignisse pro Versicherungsjahr.»
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TWINT misuse / TWINT fraud with classified ads
Deadline: not stated Deductible: not stated
The rule in full
Actions that a third party carries out without authorisation with a customer’s TWINT app are attributed to the customer (section 1.7). TWINT AG is not liable for unauthorised access, breaches of duty or actions by third parties, except in the case of its own gross negligence or intent; it then compensates at most CHF 3'000 per loss event (section 1.8). Obligations: keep the code secret, lock the device, no jailbreak, check the recipient before every payment, police report in the case of criminal offences. TWINT advises those affected to call their bank immediately.
Where does it say so? (TWINT misuse / TWINT fraud with classified ads)
Allgemeine Geschäftsbedingungen für die Nutzung von TWINT, Version 9.0 / Oktober 2026, Ziff. 1.7 und 1.8
«Insbesondere werden Handlungen, die eine Drittperson unberechtigt mit der TWINT App einer Kundin bzw. eines Kunden vornimmt, der Kundin bzw. dem Kunden zugerechnet.»
Open document: Allgemeine Geschäftsbedingungen für die Nutzung von TWINT (opens in a new window), retrieved 06.11.2026
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TWINT payment sent by mistake or to fraudsters (P2P)
Deadline: not stated Deductible: not stated
The rule in full
No right of chargeback in the T&C. TWINT recommends first requesting the money back via «Request money»; if the recipient does not respond, contact the bank that issues the TWINT app.
Where does it say so? (TWINT payment sent by mistake or to fraudsters (P2P))
FAQ: Ich habe Geld an die falsche Person/Mobiltelefonnummer gesendet. Wie bekomme ich mein Geld zurück?, nicht angegeben, FAQ-Antwort
«Wenn die unberechtigte Empfängerin oder der unberechtigte Empfänger nicht reagiert oder die Rückzahlung aktiv verweigert, musst du den Herausgeber deiner TWINT App kontaktieren.»
Open document: FAQ: Ich habe Geld an die falsche Person/Mobiltelefonnummer gesendet. Wie bekomme ich mein Geld zurück? (opens in a new window), retrieved 06.11.2026
Overview based on public policy terms, as of 06.11.2026. Only your policy and its general terms and conditions (GTC) are binding. No confirmation of cover.