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:

Using SwatchPAY! is this easy!

1. Buy your SwatchPAY! Watch in the Swatch store
2. Activate the new watch for SwatchPAY! directly in the store
3. Download the SwatchPAY! App and get started

Activate SwatchPAY!

To link your credit card to your SwatchPAY! Watch, visit one of the selected Swatch stores and use an available SwatchPAY! Box, which is required to establish the link. Visit to find out more about the participating stores.

Download the SwatchPAY! App

Simply download the SwatchPAY! App free of charge in the Apple App Store or from Google Play. Find the QR code on the SwatchPAY! Box to activate the watch directly in the store.

SwatchPAY! video

FAQ about SwatchPAY!

What is a SwatchPAY! Watch?

What is the price of the SwatchPAY! Watch 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 insert my data after leaving the Swatch store?

How can I delete my SwatchPAY! data?

What is the SwatchPAY! Box?

What 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?

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