The term Swipoints is being discontinued, and they will be entirely allocated between My Swibeco Credit and Gifts based on their origin. You therefore lose nothing: your existing balances remain available in a simpler and more flexible format.

Your employer may offer you a gift amount on the occasion of a special event (birthday, anniversary, achievement, celebration, etc.). This amount is credited directly to your Swibeco account under the Gifts section.

You can boost your credit by taking advantage of cashback offers on the platform or by winning prizes in Swibeco competitions.

This credit can then be used as a standard payment method on the platform, just like TWINT, VISA, or Mastercard. It cannot be requested as a cash payment.

Your Gift budget gives you access to The Selection , a unique collection of products, experiences and gift vouchers carefully selected and available only to Gift amount beneficiaries.

No, access to The Selection is active as long as a Gifts balance is available on your account.

Check your balances and transactions at any time in the My Account section on the platform or via the Swibeco mobile app (Apple Store and Google Play).

You will also receive a quarterly report detailing the benefits offered by your employer.

Yes, each amount has an expiry date.

• Gifts are valid for 24 months from the date they are awarded.
  When transferring your 2025 Swipoints, the expiry date for the amounts transferred on 31.12.2025 is set at 31.12.2027 at 23:59. You will therefore be able to use them until that date.
• My Swibeco credit from cashback or Swibeco competitions is valid for 24 months from the date of purchase.

You will receive an email reminder 7 days before they expire.

The Gift amount can be used on The Selection , physical products, and vouchers (without discounts). You still have the option to purchase discounted vouchers for your favorite brands using your own payment methods (VISA, Mastercard, TWINT), including My Swibeco Credit .

My Swibeco credit is used like a classic payment method on the platform, combinable with other payment methods (TWINT, VISA, Mastercard), to take advantage of exclusive discounts.

When you leave your employer, access to the offers and discounts platform is deactivated, you will no longer have access to the Gifts and My Swibeco credit amounts.

When you leave your employer, access to the offers and discounts platform is deactivated, you will no longer have access to the Gifts and My Swibeco credit amounts.

You can complete the payment with My Swibeco credit or another payment method accepted on the platform (TWINT, VISA, Mastercard).

Yes, but without the permanent discounts. However, you still benefit from product discounts. You can purchase discounted vouchers using your own payment methods: My Swibeco Credit , TWINT, VISA, and Mastercard.

Cashback is an amount you receive for every purchase made through Swibeco at certain partner brands (mentioned in the partner’s description). This amount is credited to your Swibeco account .

No, all your Swipoints are automatically converted into My Swibeco credit or Gifts . You keep 100% of your assets.