how’s it all going?
I have had this discussion with some friends: do you still own a “physical” wallet?
With the recent problems Coop was facing with the payment terminals, and recently also Postfinance
The argument “you should always have some bills on you” is making a comeback, at least in my sphere of acquaintances, since most of us switched to a more “mobile-first/ contactless card” way of handling money.
I still have always somekind of card holder/wallet to always have my essential cards (ID, driver’s licence, Debit + credit card, insurance card) and pay my daily purchases with Twint mostly. I only actually use a “real” wallet when travelling, where I usually bring some cash with me.
Some of my friends just have no wallets/cards at all with them (only their phone with Samsung/Apple pay/ Twint, etc.) on a daily basis… I think one should always at least have one’s ID, it is nearly even a legal obligation to be able to identify yourself, no? I always feel “naked” if I don’t at least have an ID or driver’s licence on me. I might switch back to a “setup” to always have an “emergency” reserve of cash with me, if for example Coop terminals are out of order again… But I don’t want it to be too bulky…
Do you own a physical wallet/ card holder, or something else?
What are your purchasing habits?
Any “bad experiences” where terminals didn’t work?
My smartphone and my physical wallet are set up in such a way, that I can live my daily life, like buying things and so on, with a smartphone only (in case I lose or forget my physical wallet) or with a physical wallet only (no battery charge in the smartphone). So I have Twint and Google wallet set up for electronic payments, SBB app set up to show digital SwissPass/abonements, photos of mine and children’s IDs and health insurance cards on my smartphone. I have some physical payment cards, SwissPass, ID, my health insurance card + always some cash in my physical wallet.
I don’t carry for example physical bonus cards, they are only electronic. If in a difficult situation I miss an opportunity to collect some Cumulus points, I don’t care.
I always have a card wallet (maestro, neon, driver licence, health insurance, SwissPass and my ID Card) with me and my smartphone where I can display everything in my card wallet but never use it. I prefer to pay with card, never use my Apple Pay (I should try one day).
Cool yeah that is pretty much what I am going for, just need to top up with some physical cash. What kind of wallet do you use then, one of those compact card holders, or a “classic” wallet with i.e. coin pocket?
Got a classic wallet with all cards (credit/debit/Insurance/Swisspass/Driver license/ID) and some reserve cash (50-100 CHF) since this month in case of electric supply issues (the big topic right now in at my workplace). I always got it with me and pay everywhere with card if I can.
Small tip to have a thinner walle:
If you have migros and coop bonus cards, just get a sticker from migros with the barcode and attach it to some piece of carton or similar. On the other side, you can attach a print of the coop barcode (or maybe the newer qr code). For the coop barcode you can easily create it online. I think I made mine here:
I’m still very old-school, have a wallet on me with a debit and a credit card, swiss pass, notes and coins.
Notes value probably varies typically between Fr 100-300 (top up under 100 to 300)
I pay probably half my shopping by cash (in value <50%, in transaction number >50%).
No, not in Switzerland, whether a Swiss nor a foreigner. Exceptions may apply, for example I think Refugees must carry an identifying document.
I just switched from small wallet with bunch of cards to phone only.
Drivers licence and ID stay in the car. I also keep my maestro (contact less desactivated) in my car in case I need cash and carry it temporarly in my phones cover. Insurance card, and all the others are scanned and stored in the cloud for access if needed.
I use Samsung pay (Certo card) and Google Wallet (Revolut and I hope it works for AMEX) or twint.