FAQ
Here you’ll find answers to frequently asked questions, sorted by topic.
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.
