FAQ
Here you’ll find answers to frequently asked questions, sorted by topic.
Supermarkets and petrol stations budget
The receipt must be no more than 30 days old. It can be on paper or digital, but it must be fully visible, legible and itemise the food products. A blurry, incomplete, outdated or previously submitted receipt is rejected, with a message explaining how to try again.
It is a budget you unlock by converting part of your monthly Lunch budget. You can then use it with your Swibeco Card for all your purchases at supermarkets and petrol stations, in Switzerland and abroad.
A completed transfer appears in the transaction history of both the Lunch budget and the Supermarkets and petrol stations budget, labelled “Transfer” with a receipt icon.
Yes. A processing fee of CHF 0.20 is charged for each successful transfer. It covers the AI-based technology and the human review of the transaction. The fee is shown in the summary before you confirm. You are not charged for a rejected or previously submitted receipt.
Acceptance depends on how the merchant’s payment terminal is configured. Contact our support team to request that the merchant be added to the acceptance list. This is free of charge and usually takes up to five working days.
Yes. You can use your Supermarkets and petrol stations budget abroad with your Swibeco Card.
Only food products subject to the 2.6% VAT rate are included. Alcohol and non-food items do not count towards the converted amount. This rule only applies to the scanned receipt: once the budget has been credited, you can use it for all types of purchases at supermarkets and petrol stations.
With your Swibeco Card, just as with your Lunch budget. The balance of your Supermarkets and petrol stations budget is shown in the Wallet, next to the Lunch card.
At supermarkets and petrol stations, in Switzerland and abroad, for all types of purchases. In Switzerland, for example: Migros, Coop, Aldi, Lidl, Denner, Spar and Volg for groceries, or Total, ENI and SOCAR for fuel.
No. A receipt that has already been submitted is rejected as a duplicate, whether it is the same image or a receipt from the same merchant with the same date and amount.
Tap “Report an error” on the confirmation screen. Your receipt will then be sent to our team for a manual check and you will be notified of the outcome. You do not need to do anything else.
A few minutes. You will be notified as soon as it is complete and both budgets will be updated in the Wallet. We recommend that you do not close the app while the receipt is being checked.
The button is only available if your Lunch balance covers at least the processing fee and the minimum transfer amount. If your balance is too low, conversion is not possible for the time being.
You convert it by scanning a till receipt in the Swibeco App:
- Open the app, then the Wallet tab.
- On the Supermarkets and petrol stations card, tap “Scan a receipt”.
- Read the instructions, then take a photo of your receipt.
- Wait while the receipt is checked and your food purchases are identified.
- Check the identified merchant and amount, then continue.
- Review the transfer summary (amount debited, fee, amount credited) and confirm.
Yes. The converted amount is debited from your Lunch budget, then credited to the Supermarkets and petrol stations budget, minus the processing fee.
No. The conversion is an internal transfer: the amount is moved from your Lunch budget to your Supermarkets and petrol stations budget. The total amount allocated by your employer does not change.
All employees whose company offers the Lunch budget, provided they have an active Swibeco Card and an active Lunch budget.
It is a budget you unlock by converting part of your monthly Lunch budget. You can then use it with your Swibeco Card for all your purchases at supermarkets and petrol stations, in Switzerland and abroad.
Evolution Swipoints
Until now, your Swipoints worked on the basis of CHF 1.- = 10 Swipoints. With the new system, your budgets are directly expressed in francs: CHF 1.- of credit corresponds to CHF 1.- of Gifts or My Swibeco Credit. This simplification makes your budgets easier to understand and use.
No, all your Swipoints are automatically converted into My Swibeco credit or Gifts . You keep 100% of your assets.
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.
My Swibeco Credit
When you leave your employer, access to the Swibeco Platform is deactivated, you will no longer have access to the Gifts and My Swibeco credit amounts.
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.
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.
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.
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.
Cashback
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 .
Gifts
The Gift amount can be used on physical products and vouchers as a classic payment method on the platform, combinable with other payment methods (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.
You can complete the payment with My Swibeco credit or another payment method accepted on the platform (TWINT, VISA, Mastercard).
When you leave your employer, access to the Swibeco 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 Swibeco Platform is deactivated, you will no longer have access to the Gifts and My Swibeco credit amounts.
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 .
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.
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.
No, access to The Selection is active as long as a Gifts balance is available on your account.
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.
The Selection
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.
You can complete the payment with My Swibeco credit or another payment method accepted on the platform (TWINT, VISA, Mastercard).
When you leave your employer, access to the Swibeco Platform is deactivated, you will no longer have access to the Gifts and My Swibeco credit amounts.
No, access to The Selection is active as long as a Gifts balance is available on your account.
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.
Swibeco Card
You chose your PIN when you completed the Swibeco Card activation form. If you can’t remember it, you can find it in the Swibeco app, in your Wallet, by tapping your card’s settings (cog icon) and then selecting ‘View my PIN’.
No, it is not possible to use the Swibeco Card on the Swibeco Platform. However, you can use the following payment methods: Gifts, My Swibeco credit, credit or debit card, TWINT or Apple Pay.
If your payment is declined at a merchant that falls within the category covered by your allowance (for example, a bakery for the Lunch allowance), it may be because the merchant is not correctly identified by VISA.
To add the merchant to the list of accepted partners and be able to use your Swibeco Card there in the future, please follow these steps:
- In the list of your transactions in the Swibeco app, find the declined payment with the alert message.
- Click on the «Ask to be whitelisted» button.
- Complete the form in less than a minute.
- Our team will review your request and correctly categorize the merchant.
- You will be notified by e-mail once the merchant accepts the Swibeco Card.
Immediately block your card via your Swibeco personal space and request a replacement card from your HR department.
Depending on the allocation you receive from your employer, the Swibeco Card can be used abroad. In Switzerland, it works at all points of sale accepting VISA.
If the amount of your purchase exceeds your balance, you can complete the payment with another method (bank card, Twint or cash).
Check your balance in real time via your personal Swibeco space on the mobile app.
Your card is ready to use: enter your PIN or use contactless to pay for your purchases.
