Banking, TWINT & paying bills
Open a Swiss bank account, pay bills by QR-bill or eBill and use TWINT for everyday payments.
Opening an account
- Bring your passport or ID, residence permit (or proof of application) and proof of address.
- Digital banks often let you open an account by video identification in a few minutes.
- Compare monthly account fees, card fees and foreign-currency charges before choosing.
- Many banks offer free accounts for young people and students.
Paying bills
- QR-bill: scan the QR code on a bill with your banking app to pay it.
- eBill: receive and approve bills directly in your e-banking, without paper.
- Standing orders are useful for rent and other fixed monthly payments.
TWINT
- TWINT is the Swiss payment app for shops, online stores and sending money to friends.
- Link it to your Swiss bank account or a prepaid balance.
- Many markets, parking meters and small businesses accept TWINT by QR code.
General information only, not legal or financial advice. Rules can differ by canton — always check the official source.
Official sources
Questions about this topic?
Ask residents and expats in the community forum and learn from their experience.