Twint takes 2% from vendors. This is also why you can't generate a code to have your friend pay you but instead have to enter their phone number since those tra

Twint takes 2% from vendors. This is also why you can't generate a code to have your friend pay you but instead have to enter their phone number since those transactions are free. In 1-2 years we will have instant IBAN payments, I wonder how long until there is a fee for that as well which is currently free just takes a day.