# S-Net Mobile

> Mobile banking app for account management, payments, and financial simulations. (iPhone/iPad app by Spuerkeess.)

- Source: https://appshunter.io/ios/app/s-net-mobile/id391760650 (this page in markdown: same URL + `.md`)
- Developer: [Spuerkeess](https://appshunter.io/developer/391760653)
- Category: Finance, Business
- Price: Free
- Rating: 3.00/5 from 2 App Store ratings · 46 written reviews indexed
- Age rating: 4+
- Requires: iOS 14.0 · 304 MB
- Languages: American English, French (France), German (Germany)
- Released: 2010-09-27
- Data updated: 2026-09-03
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/s-net-mobile/id391760650/reviews.md

## What is S?

S-Net Mobile, the Banque et Caisse d’Epargne de l’Etat, Luxembourg (Spuerkeess)’s free mobile banking app allows you to: 

• view the transactions on your accounts and credit cards,
• execute payments (Eurotransferts),
• send secure messages to the Spuerkeess and access your received mail and documents,
• find a Spuerkeess branch or S-BANK ATM,
• simulate your personal or mortgage loan.

Furthermore, the PIN-login allows an even faster access to your daily banking operations.

## Key features

- View account and credit card transactions
- Execute Eurotransferts
- Send secure messages
- Locate branches and ATMs
- Simulate personal and mortgage loans
- PIN-login for fast access

## Recent user reviews (10 of 46)

All indexed reviews: https://appshunter.io/ios/app/s-net-mobile/id391760650/reviews.md

### 1/5 — Application lente

*2026-08-30, version 5.34.1*

Lente et bug

### 4/5 — Bad performance and UX

*2026-07-06, version 5.32.3*

This app is the least worst of all the Luxembourgish banks, but it still made me switch to revolut.

There is no way it takes over a minute to login to the account and load any page, sometimes loading forever unless the app is restarted, loads of downtime routinely where you basically can’t use the app for no apparent reason, being the #1 app in luxembourg means nothing as there is no competition.
This performance was standard about 10 years ago but we’re in 2026 and I think it’s time for Spuerkeess to invest a bit in this app considering the marketing.

I never leave reviews but after using other apps like CBC and revolut, it’s clear that there is a big need for a UX and performance overhaul on this app as banking apps have evolved a lot and this is far below standards.

### 1/5 — Code de validation erroné

*2026-07-03, version 5.32.3*

Impossible de passer l’étape de validation captcha. Le sms arrive bien avec un code. Ce code ne fonctionne jamais…

### 1/5 — Application pourrie

*2026-06-27, version 5.32.3*

L’application est vraiment nulle, elle ne fonctionne jamais. Impossible d’accéder aux différents services proposés. Obligé de se connecter sur pc pour accéder aux comptes. Embaucher de nouveaux développeurs svp

### 1/5 — Impossible de creer un compte

*2026-05-15, version 5.32.1*

Bonjour,

Le captcha ne marche pas meme sur 2 appareils differents avec deux reseaux internet differents.

Tres bonne journée à vous.

### 5/5 — Topp

*2026-01-05, version 5.30.0*

Funktioniert, alles drin und hat höchste Sicherheitstandards - was will man mehr.

### 1/5 — Infinite process

*2025-04-08, version 5.26.3*

It bocks continuously, at the end I might have to go to the branch to open a bank account

### 2/5 — à améliorer

*2025-03-26, version 5.26.0*

application qui marche un mois sur deux. " login impossible. le service demandé est actuellement indisponible " un mois sur deux faudrait régler le problème la c'est long 😐.

### 1/5 — Good design but not working

*2025-03-05, version 5.26.0*

Unfortunately for all the times I try to use it, it is not working, telling me there is an error, so I have to use the website. If the app is not working why even bother to make one?

### 1/5 — Plantage application

*2025-01-27, version 5.25.0*

Bonjour, je suis vraiment déçu de l’application…. Pratiquement à chaque virement j’ai un message d’erreur « le service demandé est actuellement indisponible ». !!!!
C’est pénible et vraiment énervant …. 
Faites un correctif rapide ….

## Frequently asked questions about S

### What banking features does S-Net Mobile offer?

S-Net Mobile allows users to view account and credit card transactions, execute Eurotransferts, send secure messages to Spuerkeess, and find branches or ATMs. It also offers loan simulation capabilities.

### Is S-Net Mobile secure for banking transactions?

The app utilizes PIN-login for faster access and supports secure messaging with the bank, indicating a focus on security for financial operations. Specific security protocols are not detailed in the app description.

### Can I simulate loan applications with S-Net Mobile?

Yes, S-Net Mobile provides the functionality to simulate both personal and mortgage loans, allowing users to explore financing options.

### What devices are compatible with S-Net Mobile?

S-Net Mobile is available for iPhone, iPad, and iPod devices, as indicated by its supported devices list.

### How often is S-Net Mobile updated?

The latest version of S-Net Mobile is 5.31.0, and it was last updated on February 25, 2026. This suggests a regular update schedule.

### What is the user rating for S-Net Mobile?

S-Net Mobile has a rating of 3.0 stars based on 2 user reviews. This indicates a mixed reception from its user base.

### Does S-Net Mobile have ads?

No, S-Net Mobile is a free app and does not contain advertisements.

### What is the age rating for S-Net Mobile?

S-Net Mobile has an age rating of 4+, making it suitable for a wide range of users.

## Version history (last 5 releases)

### 5.33 — 2026-07-13

i-Hub : Share personal data with your other banks via i-Hub.
WERO : Integrate the WERO payment solution.
Minor adjustments

### 5.32.3 — 2026-05-28

Minor improvements and bug fixes

### 5.32.1 — 2026-05-06

- Minor adaptations

### 5.32.0 — 2026-04-27

- Discover your new investment area : A new homepage for your investments, a market navigation by theme and simplified order executions
- Minor adaptatations

### 5.31.0 — 2026-02-25

- Integration of the Spuerkeess newsletter
- Update of the CRS/FATCA form 
- Minor adjustments

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## More apps by Spuerkeess

- [My-Spuerkeess](https://appshunter.io/ios/app/my-spuerkeess/id1613945843)

All apps by Spuerkeess: https://appshunter.io/developer/391760653

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-03.*