Looked at Swatch Pay in the local Swatch Store. Promising idea, but German banks still have issues trusting the NFC payment system as my private credit card is not supported and I need to register for a WireCard Boon virtual credit card in order to be able to use Swatch Pay. Unverified I can only top off the card up to €100 per month. The virtual debet card needs to be filled with money for this to work. Not super hassle free... and for now Boon is free, but for how long? How are they making any money out of all of this? And the Boon Terms and Conditions are not to be messed around with.