I thought it’s all connected. Package->Member->3rd pillar or incoming 1300chf/m → MemberPlus
Just check your local bank. It’s a bit tricky to find the pdf but you can do it.
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I save it to Apple Wallet for quick access. The expiration date is listed as it’s an annual card. The physical card is theoretically no longer needed, as the “Membre Plus” label is gone. Some museums still ask to “see” the Raiffeisen card just to confirm membership, but I’ve noticed they don’t check anything else. The practices are inconsistent.
As for Twint, it seems a card is required according to the Raiffeisen Twint terms and conditions:
Der Nutzer benötigt zwingend:
- die TWINT App,
- eine Raiffeisen Debitkarte oder eine Raiffeisen Kontokarte mit PIN (nachfolgend «Karte»),
- ein Transaktionskonto, welches mit der Karte verbunden ist (nachfolgend «Bankkonto»),
- einen Wohnsitz in der Schweiz, oder als Grenzgänger einen Wohnsitz in den angrenzenden Ländern (Deutschland, Frankreich, Italien, Österreich und Liechtenstein), und
- eine auf den Nutzer lautende Schweizer Mobiltelefonnummer.
Unfortunately, it’s an “AND” rather than an “OR”.
In my region, the account card is still free for now. However, Raiffeisen banks in neighboring areas have increased the card fee to 10.- per year (similar to UBS, for example).
I managed to renew my Member Plus card (in Apple’s Wallet) for 2025, and I don’t have any package fee, no debit card.
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Oh, interesting. I was of the opinion that I can no longer benefit from MemberPlus as I don’t pay anything. I also don’t have a Raiffesen debit card, just an ATM card. But I do have Raiffeisen Shares. I was also able to generate a pass for Apple Wallet. Thanks for the hint!
It might be a glitch. I would check the status on their ebanking platform.
Status is the same : Client MemberPlus