Frequently Asked Questions FAQ


The Reka has now established a personal account for you. Your deposit will be credited to your Reka account balance. With this, you will receive the Reka-Card which is directly linked to your account and which you can use for payments at payment terminals. You can manage your credit balance online on

The Reka offers three different forms of Reka Money into which you can make deposits:

  • Reka-Checks
  • Reka-Lunch
  • Reka Rail

Available credit balance in these forms of Reka Money will be designated individually in your account.

FAQ categories for Reka-Card

Reka Money quota

Under this heading you will find answers to your questions about paying-in slips for your Reka Money quota.

Is this the first time you have received paying-in slips for discounted purchase of Reka Money from your employer?

After your first payment you automatically receive your personal Reka-Card. Your employer will have sent you an information letter about this with all necessary details such as, for example, the terms and conditions. Your personnel department will gladly help you with any queries you may have.

What does “the employer’s quota” mean?

Many employers provide Reka Money for their staff with a generous discount. To this effect, the staff member annually receives one or more paying-in slips for a stipulated amount. We call the total amount of these paying-in slips “the employer’s quota”.

Can I purchase only part of my employer’s quota?

Because this is a voluntary fringe benefit, there is no payment obligation. What is important, however, is that the payment always corresponds to the amount on the paying-in slip. You can’t pay in only part of the amount printed on a single paying-in slip.

Are the paying-in slips like invoices and is there a payment obligation?

Your employer’s paying-in slips are a purely voluntary fringe benefit regarding which there is no payment obligation for you at all. You don’t have to pay these slips in if you do not wish to.

Is there an expiry date for Reka Money?

No. Reka Money has no expiry date, whether it is in the form of Reka-Checks, Reka-Lunch or Reka Rail. However, the paying-in slips are only valid until their expiry date. If they are not paid in before this, at a later date the staff member will no longer be entitled to draw the discounted Reka Money offered by the employer for the corresponding year.

Will I receive a Reka-Card or Reka-Checks when I pay?

You can verify this quite simply yourself: if the reference number on your paying-in slip begins with a 14, your Reka-Checks will be delivered to your postal address, but if the reference number begins with a 15, the amount paid in will be automatically credited to your Reka account.

Can I decide whether I receive Reka-Checks or a Reka-Card?

No. This decision will be taken by your employer. After your payment, either Reka-Checks will be delivered directly to your home address or a Reka account will be opened for you and a Reka-Card issued with it. However, if you prefer Reka-Checks and do not wish to enjoy the Reka-Card’s numerous advantages, you can convert your electronic money online in your RekaNet account into Reka-Checks. Due to the cost incurred by registered check delivery, a conversion fee of CHF 10.– is charged. This amount will be debited from your account prior to delivery. Important: you can only draw Reka-Checks in CHF 10.– and CHF 50.– denominations.

Can I pass my Reka Money quota on to third parties?

You may pass on your pay-in slips or your quota. Please note that in the case of a payment, the amount paid in will always be credited to the entitled Reka Money recipient account. If the latter does not yet have a Reka-Card, a Reka account with a Reka-Card will be opened automatically after the payment. The credit can be transferred to a third party via RekaNet using an account transfer.

The Reka-Card – general information

What is the Reka-Card?

The Reka-Card is the electronic equivalent of the Reka-Check and works like a debit card (e.g. like the PostFinance or the Maestro cards). It is linked with your Reka account and can be used together with the card PIN directly for payments at payment terminals. Please do not confuse the Reka-Card with a gift card. Unlike a gift card, the Reka-Card has direct access to your account balance. You can find more information under the heading «Paying with the Reka-Card» or «My Reka account - RekaNet»

What are the advantages/differences between the Reka-Card and the Reka-Check?

  • The Reka-Card offers a greater degree of security. If the card is lost, your credit balance is still available because the card can be blocked.
  • As a Reka-Cardholder you take advantage of various reductions.
  • With the Reka-Card you can pay to the nearest centime.
You will find more advantages here.

How do I get a Reka-Card?

Many employers offer Reka-Money as a fringe benefit. Find out about this from your employer.

In case you have no possibility to draw Reka-Money through your employer, you can order a Reka-Card directly by means of the appropriate form.

If you are interested in the Reka-Card as a company, please contact our sales team on +41 31 329 66 77 or visit the following link. Use the employer calculator to work out how much the sale of Reka-Money would cost.

How much does the Reka-Card cost?

The annual fee is CHF 12.–. Often the employer offers to pay for the yearly fee. You can find out about all fees in our fees overview:

When is the annual fee charged?

The card fee is always due in advance for the coming year and is charged for the first time when the account is opened. If the card fee is offered by the employer, the CHF 12.– fee debit is visible on the opening day in the Reka-Card account and the following day in the balance.

How can I, as the cardholder, pay into my Reka account?

You have the following possibilities:
  • using your quota which you receive from your employer, employer organization or association in the form of paying-in slips
  • using Reka-Checks which you can send to us and with which we then credit your Reka account
  • via online banking with a discount
You can find detailed info about this in the RekaNet under “My Reka account” “Loading options” or here.

I’ve forgotten my PIN. What now?

Please contact our customer service at or call +41 31 329 66 67. A new PIN will be issued for you. A CHF 6.– fee will be charged to cover this service and postage.

How can I modify my Reka-Card PIN?

Please log in to the RekaNet and open the “My Reka-Cards” section. Then select the “Change PIN” function.

How can I block my Reka-Card?

You have several possibilities for blocking your Reka-Card with us.

By telephone

Immediately report the loss to our customer service on +41 31 329 66 00 (Monday to Friday, 8 a.m. to 5 p.m.). Outside these hours you can record your blocking order on our answerphone. Please supply the following details:

  • First name and family name
  • Complete postal address
  • Telephone number
  • Reka account number or Reka-Card number
  • User-ID or customer number

At the same time please stipulate that your Reka-Card must be blocked. Your card can only be blocked if all required details are complete and accurate.


Log in to the RekaNet and open the “My Reka-Cards” section. Then select the “Blocking the Reka-Card” function.

How can I check out my account balance?

You can do this online in the RekaNet or in the Reka-Guide App by means of an SMS text request. Please observe the requirements here.

How can I, as a cardholder, check out my last transactions?

You can do this online in the RekaNet or in the Reka-Guide App by means of an SMS text request. Please observe the requirements here.

Is my Reka-Card transferable?

The Reka-Card is a debit card which does not require an identity check when payments are made. Lending your Reka-Card to a third person is therefore at your own risk. The Reka declines any responsibility.

Additional Reka-Cards

Several cards can be linked with a single Reka account. If you regularly share the credit balance with another person, additional cards are a convenient and practical option.

What sort of additional cards are there?

There are two types:
  • Junior Card
  • Partner Card

How does the additional card work?

Additional cards have access to your Reka account like the main card. The Junior Card has a monthly CHF 200.– withdrawal limit. The Partner Card, like your main card, has no withdrawal limit. Each additional card has its own PIN code, which can also be changed individually.

What does the additional card cost?

A yearly fee of CHF 6.– is charged for the additional card. This will be debited from the main cardholder’s Reka account. You can find out about all fees in the fees overview.

How can I obtain an additional card?

Junior Cards and Partner Cards can be ordered by means of the appropriate form:

Replacement card

A fee is charged for a replacement card. You can find out about all fees in the fees overview:

Paying with the Reka-Card

The Reka-Card can be used as payment at over 9,000 acceptance points. You’ll find replies here to questions about the most important functions.

Where can I pay with the Reka-Card?

Under and in the Reka-Guide App for smartphones you will find a list of all Reka-Card acceptance points.

What can I pay for with Reka Money?

Reka Money is an earmarked means of payment for services in the holidays and leisure sphere. Purchase of goods is only authorized in specific cases such as when you buy fuel, for example. Purchase of other goods such as sports articles in a sports shop are not authorized. Rental equipment however must be paid with Reka Money.

Fill up your tank with the Reka-Card

You can refuel to the nearest centime with the Reka-Card at AVIA, BP and Coop Pronto petrol stations. The petrol station may provisionally debit a reservation amount until final accounting of payments.

How does the Reka-Card payment take place?

Payment is carried out in the same way as with the Maestro card. Depending on the card terminal model, contactless payment can also be made with the Reka-Card. In order to facilitate swift payment procedure for small amounts of up to CHF 40.–, entry of a PIN code is unnecessary for contactless payment.

Does the Reka-Card require a PIN code?

A PIN code is always required for contact-based payment with the Reka-Card (insertion of the Reka-Card in the payment terminal). However, the PIN is not required for contactless payments of small amounts of up to CHF 40.–.

Incorrect PIN entry. What now?

The card will be blocked after three incorrect, time-independent PIN entries. Please contact our Reka Money customer service on +41 31 329 66 67 or

What is contactless payment and how does it work?

How do I know whether a payment terminal has the contactless payment function?

Look out for the following symbol or ask at the sales point.

How secure is contactless payment?

For the following reasons, payment with the contactless function is secure:
  • the card never leaves your hand during the whole payment process.
  • data transfer from the card chip to the card reader is only possible if you hold the card up close to the card reader.
  • you can only use the card for one transaction per contact with the card reader because the card’s security chip only ever generates a single, one-off code for each transaction. Multiple use of this code or an incorrect code will be immediately identified.
  • for amounts of over CHF 40.–, you must enter the card’s PIN code as well.

Can I disable the contactless payment function?

Your Reka-Card’s contactless function cannot be disabled.

Can Reka-Card payment be refused?

Refusal of the card is possible. You will find possible reasons for this and appropriate solutions here.

I have a second form of Reka Money on my Reka-Card for the first time. What now?

Your Reka-Card must be updated so that both forms of Reka Money can be used as payment. You will find instructions for activating the programme here: Activating an extra form of Reka Money.

When paying, how can I select the form of Reka-Money I wish to use to pay with?

If you are paying at a Reka acceptance point which accepts several forms of Reka Money, you can select the required form on the payment terminal’s display screen. If only one form of Reka Money is accepted as a means of payment, the transaction is automatically carried out using the available form of Reka Money. This selection procedure is not possible with contactless payment.

Can I make one payment using two forms of Reka Money?

If the acceptance point allows partial payment, you can pay with two forms of Reka Money. One transaction is made per form of Reka Money. For example, you can pay for the SBB General Abonnement (GA) travelcard beginning with Reka-Checks and then complete the payment with a second transaction using Reka Rail.

Can my account balance be overdrawn with the Reka-Card?

No. The Reka-Card can only be used in payment as long as the Reka account has sufficient funds.

Blocking the Reka-Card

How can I tell if a card has been blocked?

When a card has been blocked it is not accepted by the terminal. The following text is displayed: Card blocked. Please contact our customer service: or +41 31 329 66 67.

Can the blocking be cancelled?

Our customer service can cancel the blocking of a card. Please contact us by phone or mail.

Card blocking if the card is lost

When your card is blocked in case of loss, apply for a new Reka-Card. The CHF 12.– fee will be charged to your Reka account. You can find out about all fees in our fees overview.

How long does it take to deliver a replacement card?

As a rule you receive the replacement card within three to four working days.

Termination of the Reka-Card (Reka account)

Do you wish to terminate your Reka account and your Reka-Card? Please use the termination form which you can return to us by email to or by post.

Termination of the Reka-Card (Reka account) in the event of death

In case of death, we recommend that you utilize the available Reka account credit balance or redeem it in Reka-Checks. For termination, in addition to the termination form, we urgently require a copy of the inheritance certificate.

My Reka account - RekaNet

How can I log in?

Enter your personal data on such as your User-ID and password. You will then access your personal RekaNet account.

Your User-ID will be sent to you with your paying-in slips for your Reka-Money quota. If you require further information, please contact our customer service.

I can’t log in with my email address?

Your email address is not registered with Kindly use your User-ID to subsequently be able to register your email address (format: User-ID e.g. 01234567). Once registered, you will be able to log in with your email address as well.

I have forgotten my password. How can I receive a new password?

You can reset your password yourself at any time. You can request a password reset code on in the “I have forgotten my password” section. The reset code will be sent to you by Priority A post. If your email address or mobile phone number is registered in your RekaNet profile, you will receive the reset code electronically.

What does “2-way authentication” mean?

2-way authentication is a 2-stage registration procedure and optimizes security for access to your account. For you as an account holder, this results in advantageous liability conditions (see GTC, Paragraph 29).

What must I do for a 2-way authentication?

For 2-way authentication register your mobile phone number in your RekaNet account. When you log in to the RekaNet you will then receive an SMS text sent to this number each time with a unique code, valid only once, which you must enter via the RekaNet.

In «My Profile» you can change your mobile phone number or activate/disable the 2-way authentication function at any time.

I have changed my mobile phone number, what now?

If you registered your old mobile phone number and can no longer sign in to the RekaNet, please contact our customer service.

I do not possess a mobile phone, what now?

You can also log in to without 2-way authentication. You simply use the 1-stage login procedure by entering your User-ID and your password.

How can I, as a cardholder, pay into my Reka account?

You have the following possibilities:
  • through your quota, which you receive from your employer, employer organization or association in the form of paying-in slips
  • through Reka-Checks, which you can send us and we will credit your Reka account
  • via online banking with a discount
You will find detailed information in the RekaNet under “My Reka account” “top-up possibilities” or here.

How can I check out my account balance?

  • online on the RekaNet or in the Reka-Guide App)
  • by means of sms text inquiries. Please observe the instructions.

How can I, as a cardholder, check my last transactions?

  • online on the RekaNet or in the Reka-Guide App)
  • by means of sms text inquiries. Please observe the instructions.

How much does it cost to send the account statement by post?

This can be sent as a monthly or annual subscription. The account statement costs CHF 2.50 per dispatch. At the moment it is not possible to send out a single account statement. Please contact our customer service about this.

What other alternatives do I have if I do not wish to accept the cost of postal delivery of the account statement?

You can access your personal account in the RekaNet or in the Reka-Guide App and check your transactions at any time. Information by telephone is also possible (the customer’s identity is verified with control questions).

Can I also make payments to Reka partners with my Reka-Card?

Yes. It is possible to pay our partners via RekaNet. Invoices from certain acceptance points can be paid through your RekaNet account. Use the blue “Reka Partner payments” button in your RekaNet account.

Where can I find the reference number for a payment to a Reka partner?

You’ll find the reference number on the paying-in slip you received from your travel agent, Mobility or any other Reka partner. If you do not have a paying-in slip or were not sent one, please contact the invoice issuer directly.

How can I change my postal address?

Log in to the RekaNet and select the “My Profile” page.

Can I perform an account transfer with different forms of Reka Money?

An account transfer will only work when the debit and credit accounts correspond with the same form of Reka Money. The recipient must have an active account with the corresponding form of Reka Money.

How can I convert my existing account credit balance into Reka-Checks / Reka Rail?

You can convert your available credit balance into Reka-Checks or Reka Rail in your personal RekaNet account.Use the “Ordering checks” button for this. Due to the registered postage costs incurred, check delivery costs CHF 10.– which will be directly charged to your account.

Can I merge two Reka accounts?

Merging several Reka-Cards or Reka accounts is not possible. A Reka account can only be managed exclusively by a single individual.


You will also find further information under Otherwise we will be delighted to help you personally:

Telephone +41 31 329 66 67