SwatchPAY! - Cembra Money Bank

SwatchPAY! The coolest way to pay

A SwatchPAY! is a Swatch you can pay with! The watch uses a virtual card, linked to your actual Cembra Money Bank credit card.

SwatchPAY! is a fast payment system, doesn't need batteries to work and is integrated into your Swatch in a water-resistant manner. It's easy to link a credit card to your watch and you can even manage more than one watch in your account in the SwatchPAY! App, making it easy to organise your expenses.

SwatchPAY! is compatible with all Cembra Money Bank credit cards:

This is how easy it is to use SwatchPAY!

1. Buy a SwatchPAY! Watch in the Swatch Store or online at
2. Download the SwatchPAY! app
3. Activate your new SwatchPAY! Watch directly in the store or online
4. You’re ready to pay with SwatchPAY!

Activate SwatchPAY!

To link your credit card to your SwatchPAY! Watch, visit one of the selected Swatch Stores and use an on-site SwatchPAY! Box, which is required for linking. Visit to find out more about participating stores. It is also possible to activate your SwatchPAY! online at with an Android smartphone.

Download the SwatchPAY! App

Simply download the SwatchPAY! app free of charge from the Apple App Store or Google Play. Then create an account and register your credit card.

FAQ about SwatchPAY!

What is a SwatchPAY! Watch?

How much does the SwatchPAY! Watch cost in Switzerland?

Is there a payment limit? What if I go over the payment limit?

Can I use SwatchPAY! abroad?

How many cards can I link to each watch?

Can I activate my SwatchPAY! Watch without an internet connection?

Is there any activation cost or fee from Swatch?

Can I enter my details after I have left the Swatch Store?

How can I delete my SwatchPAY! data?

What is the SwatchPAY! Box?

Which devices can I use with the SwatchPAY! Box?

Is the SwatchPAY! Box really safe to use?

What is a "Secure Element"?

What should I do if I lose my watch or someone steals it?

I've lost my credit card. What do I have to do?

Something is wrong with my watch. Can I send it for repair?