Twint is a Swiss mobile payment system rolled out nation-wide in 2017. As of 2024, Twint has become ubiquitous in Switzerland, with many stores accepting Twint payments and nearly all banks taking part in the payment system. The app was developed by Monexio, a wholly owned subsidiary of PostFinance, beginning in 2014.

The first banks that cooperated in Twint were the Berner Kantonalbank and Valiant Bank in 2015, joined by the Basler Kantonalbank and Bank Cler in 2016.

Twint had approximately five million users in 2023.

Twint was created by Monexio AG, a company founded in July 2014 as a wholly owned subsidiary of PostFinance. PostFinance Executive Board member Thierry Kneissler was appointed CEO, while Hansruedi Köng, CEO of PostFinance, became Chairman of the Board of Directors. The company became operational in August 2014. The pre-launch of Twint took place from 6 August 2015, starting in the cities of Bern and Zurich. The national rollout began on 3 November 2015.

In May 2016, Twint and Paymit, a competitor made by the Zurich Cantonal Bank and the SIX Group, announced a fusion, which was approved by the Competition Commission of Switzerland in September 2016.

Each Twint account is connected to a mobile phone number, a bank account, or both.

When making a payment to a private Twint user, the payer selects the receiver's contact in the app, and specifies the sum. A receiver can also request a sum from a mobile phone contact if that person is also using the Twint app.

Payment when making purchases can happen in two ways: