Comparison

UBS Safe vs Cembra App

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

UBS Safe

Securely store and manage important personal documents, passwords, and banking information. Access your encrypted data anytime, anywhere, with multiple authentication options for enhanced protection.

Highlights
  • Store personal documents
  • Manage passwords
  • Automatic banking document storage
  • Encrypted data storage
  • Multi-factor authentication
  • Access data anywhere
Features
Read full description

THIS APP IS ONLY AVAILABLE TO EXISTING UBS CLIENTS DOMICILED IN SWITZERLAND The most important information in a safe place – UBS Safe ID copies, contracts, passwords or banking documents: the UBS Safe App provides a safe place for your data. Your benefits with the UBS Safe mobile app: - Store personal documentation such as tax documents, references or insurance policies in your UBS Safe - Manage your passwords in one place The UBS Safe app lets you access your data anywhere and at any time – even when traveling. If the original document is lost or stolen, you always have a copy at hand. Here’s how secure it is to use the UBS Safe app: - All data is stored in encrypted form on servers in Switzerland UBS Safe is only intended to be used by existing customers of UBS Switzerland AG who are domiciled in Switzerland. UBS Safe is not intended to be used by residents outside of Switzerland. The availability of UBS Safe in non-Swiss App Stores for download does not constitute a solicitation, offer or recommendation of a UBS product or service or the intent to enter into any transaction, nor does it establish or constitute a solicitation or offer to establish a customer relationship between the person who downloads UBS Safe and UBS Switzerland AG.

About

Cembra App

Manage your credit card details, view purchases in real-time, and retrieve your card PIN. Easily suspend your credit card and access monthly statements. Secure login with fingerprint or facial recognition.

Highlights
  • Real-time purchase tracking
  • Card PIN retrieval
  • Credit card suspension
  • Add card to Apple Wallet
  • Track credit card payments
  • Access monthly statements
  • Secure Touch ID/Face ID login
Features
Read full description

"Cembra App: It couldn't be simpler" From now on you can, among other things, check your purchases in real time, retrieve your card PIN and suspend your credit card yourself. "Who is the Cembra app for?" The Cembra app is ideal for all Cembra customers. If you haven't registered to use the app yet, you can easily do this here: https://apps.cembra.ch/cmf/en/#apply Once you have received your access code from us by mail, you can set up the Cembra app yourself with just a few simple steps. "These are the features you've been waiting for" * Find all important information about your Cembra credit card(s) in one overview. * Put your credit card/s into the Apple Wallet * Keep track of your current credit card payments * Manage and receive important push notifications * Access your monthly statements * Customize your personal data directly in the Cembra app * Log in easily and securely using Touch ID (fingerprint) or Face ID (facial recognition). We are working on new features and services all the time. We also look forward to receiving your suggestions and feedback. Do you have a technical issue with the Cembra App? Then you’re in the right place: cmfsupport[at]cembra.ch. For any questions about your account, please visit our Customer Center. (https://www.cembra.ch/en/customer-center/contact-via-e-mail/) at cembra.ch.

Screenshots

UBS Safe3 screens
Cembra App4 screens

Verdict

The call

The clearest difference is update cadence: Cembra App at every 3 weeks against UBS Safe's every 3 months. Cembra App also leads on rating (4.5 vs 4.2) and ratings volume (68 vs 21). UBS Safe's advantage is monetization model (free vs ad-supported) and review sentiment (50% vs 42%). On price, ads, in-app purchases and iOS requirement there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

Cembra App holds the better App Store score, 4.5 against 4.2. Both are backed by a comparable volume of ratings — 21 and 68 respectively. Written reviews complicate that: 50% of UBS Safe's written reviews are positive against 42% of Cembra App's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

UBS Safe ships an update every 3 months, Cembra App every 3 weeks. The most recent releases landed on October 22, 2026 and October 15, 2026 respectively.

Scorecard6 real differences · 4 level
UBS Safe versus Cembra App: the parameters behind the verdict, then further details
ParameterUBS SafeCembra App
PriceFreeFree
Rating4.2 (21 ratings)4.5 (68 ratings) — better
Positive reviews50.0% of reviews — better41.7% of reviews
Number of ratings2168 — better
Update frequencyEvery 3 monthsEvery 3 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree — betterAd-supported
DevicesiPhone, iPad, iPod — betteriPhone
Requires iOS1616.0
Further details — not scored
Size133 MB322 MB
Age rating4+4+
DeveloperUBS AGCembra Money Bank AG

Customer experience

UBS Safe

All ratings21 ratings
Positive81.0%
Neutral4.8%
Negative14.3%
Written reviews2 reviews
Positive50.0%
Neutral0.0%
Negative50.0%

Cembra App

All ratings68 ratings
Positive89.7%
Neutral1.5%
Negative8.8%
Written reviews12 reviews
Positive41.7%
Neutral0.0%
Negative58.3%

In-app purchases

None

UBS Safe

No in-app purchases

None

Cembra App

No in-app purchases

Questions

Is UBS Safe free?
UBS Safe is free to download, with no in-app purchases.
Is Cembra App free?
Cembra App is free to download, with no in-app purchases.
Which has better reviews, UBS Safe or Cembra App?
Cembra App is rated higher. UBS Safe averages 4.2 out of 5 from 21 ratings, while Cembra App averages 4.5 from 68 ratings.
Do UBS Safe or Cembra App have ads?
Neither UBS Safe nor Cembra App shows ads.
Which is updated more often, UBS Safe or Cembra App?
UBS Safe ships an update every 3 months, and Cembra App every 3 weeks. Most recently, UBS Safe was updated on October 22, 2026 and Cembra App on October 15, 2026.

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