# UBS Access vs Swatch Pay

The clearest difference is review sentiment: UBS Access at 63% against Swatch Pay's 17%. UBS Access also leads on rating (4.8 vs 4.4) and ratings volume (1.5K vs 21). Swatch Pay's advantage is update cadence (every 2 weeks vs every 2 months) and iOS requirement (15.0 vs 18.6). On price, ads, in-app purchases and monetization model there is nothing between them.

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

UBS Access holds the better App Store score, 4.8 against 4.4. That said, the two scores are not equally well evidenced: UBS Access has 1.5K ratings behind it against 21, so its average is the more settled of the two. Written reviews point the same way: 63% of UBS Access's written reviews are positive against 17% of Swatch Pay's.

UBS Access ships an update every 2 months, Swatch Pay every 2 weeks. The most recent releases landed on October 22, 2026 and October 13, 2026 respectively.

## The numbers

| Metric | UBS Access | Swatch Pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (1.5K ratings)](https://appshunter.io/ios/app/ubs-access-secure-login/id1121666286/reviews)** | [4.4 (21 ratings)](https://appshunter.io/ios/app/swatch-pay/id1525248439/reviews) |
| Number of ratings | **1.5K** | 21 |
| Positive reviews | **63.3% of reviews** | 16.7% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | **Every 2 weeks** |
| Monetization | Free | Free |
| Size | 60 MB | 70 MB |
| Requires iOS | 18.6 | **15.0** |
| Devices | iPhone, iPad | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [UBS AG](https://appshunter.io/developer/369153318) | [SWATCH LTD](https://appshunter.io/developer/413528441) |

## What reviewers say

### UBS Access

[App page](https://appshunter.io/ios/app/ubs-access-secure-login/id1121666286)

Securely log in to digital banking services and confirm online payments and new payees. Receive important security-related notifications to protect your accounts. Offers multiple layers of security for peace of mind.

**Highlights:** Secure login to E-Banking and Mobile Banking, Confirm online payments and new payees, Receive security-related event notifications, PIN and biometric authentication, Smartphone security checks, Multi-level data transmission protection

**Features:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Easy and convenient
- 🔒 Secure login
- 👍 Intuitive and user-friendly
- 💡 Innovative features
- 👍 Reliable and stable

**What reviewers complain about**

- 🐛 Bugs and crashes
- 🔒 Overly complicated setup
- 👎 Slow and unresponsive
- 🔒 Restrictive security measures

**Reported bugs**

- Login issues after device change
- QR code scanning problems
- Incompatibility with certain iOS versions
- Unexpected app crashes

**Requested features**

- Fingerprint/Face ID support
- Offline mode functionality
- Improved transaction history
- Compatibility with older devices


### Swatch Pay

[App page](https://appshunter.io/ios/app/swatch-pay/id1525248439)

This app allows you to link your payment card to your compatible watch for contactless payments. Track your transactions and manage your payment functions securely and conveniently from your smartphone.

**Highlights:** Link payment cards to watch, Contactless payments, Track payment history, Suspend/delete payment function, Secure payment verification

**In-app purchases:** none


## Frequently asked questions

### Is UBS Access free?

UBS Access is free to download, with no in-app purchases.

### Is Swatch Pay free?

Swatch Pay is free to download, with no in-app purchases.

### Which has better reviews, UBS Access or Swatch Pay?

UBS Access is rated higher. UBS Access averages 4.8 out of 5 from 1.5K ratings, while Swatch Pay averages 4.4 from 21 ratings.

### Do UBS Access or Swatch Pay have ads?

Neither UBS Access nor Swatch Pay shows ads.

### Which is updated more often, UBS Access or Swatch Pay?

UBS Access ships an update every 2 months, and Swatch Pay every 2 weeks. Most recently, UBS Access was updated on October 22, 2026 and Swatch Pay on October 13, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*