Where are you paying?
What this solves
Switzerland is one of Europe's most cashless countries — TWINT (the Swiss mobile payment app) is everywhere, terminals take contactless cards, and even small market stalls have SumUp readers. But cash is still required at mountain huts (no signal), parking meters in old quarters, and some Sunday-opening shops. This tool tells you the right choice per situation.
How to read the results
- Recommended = card, TWINT, or cash for the setting.
- Min / max for cash acceptance.
- ATM = the network with the lowest fees.
What this calculator ignores
- Currency conversion spreads on your home card — usually 1.5–3% above mid-market. Use a no-FX-fee card.
- TWINT only works for Swiss-issued cards and phone numbers. Visitors need the alternative (card or cash).
Common questions
Which ATM has the lowest fee?
PostFinance ATMs charge CHF 3.50 flat for foreign cards (better than the 2–3% of bank ATMs). Migros Bank ATMs are free for many cards. Avoid UBS and Credit Suisse ATMs for foreign cards — high flat fees.
Do taxis accept cards?
Yes, all city taxis accept Visa/Mastercard and TWINT. Some rural taxis are cash-only — ask before riding.
What's TWINT?
The Swiss mobile payment app — like Venmo. Available to anyone with a Swiss bank account. Foreign visitors can't install it easily — just use card or cash.