Twint is the way Switzerland pays — but it lives outside most budgeting apps. Finch pulls Twint payments together with your UBS, ZKB, PostFinance, Bank CIC or N26 account so you finally see the full picture.
Finch identifies and labels Twint transactions automatically.
Works whether your Twint is linked to UBS, ZKB, N26 or many other cantonal banks (see /swiss-banks-list).
Coop, Migros, SBB, ÖV, restaurants, Twint-to-friends — recognised correctly.
Daily, weekly and monthly Twint totals across all your accounts.
Catches recurring Twint payments before they pile up.
Read-only access, no stored credentials, FADP- and GDPR-compliant.
Twint payments settle through your linked bank account, but they appear as opaque transfers — not as the coffee, lunch, or split bill you actually paid for. Finch enriches them automatically: merchant name, category and amount, in CHF, alongside the rest of your spend.
Whether you use Twint via UBS, ZKB, PostFinance, Bank CIC, Valiant Bank, BCF, Banque Cantonale du Jura, N26, Wise or many cantonal banks, Finch sees the underlying transactions and reconciles them as Twint.
Coop, Migros, SBB, ÖV, Coop Pronto, restaurants, Twint to friends — Finch's categorisation model is trained on Swiss merchant patterns, not US ones, so categories make sense out of the box.
Twint payments, debit card spend, credit card spend and direct debits all appear in the same monthly budget. No more 'where did that CHF 200 go?'
Yes. Finch reads the underlying bank transactions linked to your Twint and reconciles them as Twint payments with proper categorisation.
Yes. Finch supports Twint via every major Swiss retail bank, neobanks (N26, Wise) and many cantonal banks (see /swiss-banks-list).
Finch shows the same merchant or contact information your bank exposes — typically merchant name for purchases and a counterparty label for peer-to-peer transfers.
Yes. Finch uses regulated read-only Open Banking access, bank-grade encryption, and never stores your bank credentials.
Download Finch Agent from the App Store or Google Play today.