Payments via smartphone or contactless cards are becoming ever more popular. To shop with no need for cash or codes is convenient – yet it also involves risks.

They offer certain advantages when compared to classic financial institutions. Online banks have one big drawback though: It is often not very easy to contact them.

QR invoices are set to revolutionise Swiss payment transactions. They contain all the relevant payment information inside the QR code, replacing those red and orange deposit slips.

There are several third party providers offering intra-bank payment and account information services for e-banking customers. And although this may be convenient, there are some risks involved.

You can use QR codes to pay invoices, access a digital menu in a restaurant or visit a website. Any data encoded in the code cannot be read by humans. You should therefore be careful when using them.

eBill is electronic billing, i.e. the electronic version of the well-known deposit slip directly in your e-banking facility. eBill enables you to receive and pay invoices electronically.

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