Swisscard vs ZKB Access
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Swisscard
Manage your credit cards securely and conveniently on the go. Track spending, confirm online payments in real-time, and block/unblock cards instantly. Access PINs, order replacements, and update personal information with ease.
- Real-time online payment confirmation
- Transaction push notifications
- Card blocking and unblocking
- Spending limit tracking
- Monthly statement review
- Transaction filtering
- PIN code display/ordering
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With the free Swisscard app, you have your cards under control at all times, even when you’re on the move. The advantages for you: Security thanks to the Swisscard app • Check and confirm online payments in real time. • Push notification for each transaction • Block and unblock cards at any time. Spending under control • You’ll always know how much money you have left to spend. • Check your monthly statement. • Filter transactions by amount, date or card. Everything to do with your card • Display a PIN code or order one by mail. • Order a replacement card in case of loss. • Manage notifications. • Change your address. The Swisscard app guides you through the registration process in just a few steps. Download the Swisscard app and register now. So you can always keep an eye on all your spending and cards. More information can be found in our help center: swisscard.ch/help Do you have any questions or suggestions for improvements? Contact our customer center on +41 44 659 61 84 or at swisscard.ch/en/contact
ZKB Access
Securely access your online banking with this app. New users can complete identification from home or a branch. Enjoy flexibility and enhanced security through a two-channel login process.
- Secure eBanking login
- New customer identification
- ID scan and video selfie
- Smartphone and tablet support
- Two-channel security
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With the ZKB Access App, you can easily and securely log in to the digital Banking of Zürcher Kantonalbank. New customers can also identify themselves from home or in one of our branches. Advantages of the ZKB Access App: - High flexibility by using your smartphone or tablet - Easy identification with ID scan and video selfie for new customers - High security due to the separation into two channels (smartphone and eBanking) For more information, visit www.zkb.ch/access-faq
Screenshots
Verdict
The clearest difference is review sentiment: ZKB Access at 100% against Swisscard's 22%. ZKB Access also leads on rating (4.9 vs 4.6). Swisscard's advantage is update cadence (fortnightly vs every 5 weeks). On price, ratings volume, ads and in-app purchases 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
ZKB Access holds the better App Store score, 4.9 against 4.6. Both are backed by a comparable volume of ratings — 271 and 211 respectively. Written reviews point the same way: 22% of Swisscard's written reviews are positive against 100% of ZKB Access's.
Swisscard ships an update fortnightly, ZKB Access every 5 weeks. The most recent releases landed on September 20, 2026 and September 19, 2026 respectively.
| Parameter | Swisscard | ZKB Access |
|---|---|---|
| Price | Free | Free |
| Rating | 4.6 (271 ratings) | 4.9 (211 ratings) — better |
| Positive reviews | 21.5% of reviews | 100.0% of reviews — better |
| Number of ratings | 271 — better | 211 |
| Update frequency | Fortnightly — better | Every 5 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone | iPhone, iPad — better |
| Requires iOS | 17.0 | 16.4 — better |
| Further details — not scored | ||
| Size | 154 MB | 126 MB |
| Age rating | 4+ | 4+ |
| Developer | Swisscard | Zürcher Kantonalbank |
Customer experience
Swisscard
ZKB Access
Bugs and requests
Swisscard
Reported bugs
71 issues- Card balance disappeared
- Links to 'report a problem' do not work
- Paperless statements deactivated after update
- Not receiving payment approval notifications
- App is full of errors and bugs
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- App has daily problems
- Latest version for iOS 16, incompatible with older versions
- Cannot exit to read SMS code during iPhone registration
- DSW shuts down when selecting 'a different one' for code verification
- Cannot use password manager to register
- Passwords cannot be copied
- Show PIN code not working
- App does not work well, needs modernization
- App is un-user friendly and slow
- Lack of download/export functionality
- No way to fix expense limits
- App crashes or freezes
- SMS codes not received or delayed
- TouchID/FaceID issues
- Password reset not working
- Web portal deactivated, app is replacement
- No CSV/Excel export
- App not working on iPad
- No computer access
- PDF only, no data processing
- Customer service unresponsive
- App is a step backwards
- No transaction data access
- Unfinished product launched
- Cannot register card
- No expense tracker
- No foreign currency conversion rate shown
- Useless app, unknown error on login
- Screen formatting makes data unreadable
- Registration failed with incorrect details
- No access to cards, statements, or balance payment
- Reduced functionality after update
- No categories for spending tracking
- Start page doesn't automatically apply Touch ID
- Expense assistant removed
- Junk app, does not open
- Stuck when switching to messages for SMS code
- Payments not shown until debited
- Error 404
- Balance does not update
- Design and function weak
- Barebones app
- Unstable, loses login details
- TouchID login crashes since iOS 13
- Unstructured and unclear design
- Server errors during registration
- Main features removed
- No real-time updates
- Transactions delayed
- Cannot see open amounts for current period
- No save/print/forward function
- Server error on login
- App complains iPhone is jailbroken
- Transactions take days to show up
- Data not updated frequently enough
- Unspecified error after update, cannot login
- Information outdated
- No SMS/notification for instant transactions
- Credit card month view missing
- No logic in destroying working features
- Returns years back, loses real-time data
- Cannot see current period open amounts
- Primitive app, not real-time
- Unusable, PIN error
- Lacks basic functionality (paid currency, exchange rate)
- Not worth downloading
Requested features
54 requests- Add ability to fix expense limits
- Provide better protection with insurance for users of expense limits
- Reinstate previous app version for older iOS
- Add print or download functionality for all purchase details
- Implement a normal calendar view for expenses
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- Provide option to export data in OFX format
- Add SMS/notification for transactions made instantly
- Add credit card month view
- Option to print
- Real-time transaction notifications
- Add expense tracker and restore lost data
- Restore expense assistant feature
- Add SMS/notification for transactions made instantly
- Add credit card month view
- Option to print
- Real-time transaction notifications
- Add expense tracker and restore lost data
- Restore expense assistant feature
- Dark mode option
- Advanced analytics dashboard
- CSV export functionality
- iPad version
- Computer access
- Real-time updates
- Ability to see open amounts for current period
- Save/print/forward function
- Ability to see paid currency and exchange rate
- More features
- Instant transaction notifications
- Calendar view for expenses
- Export data in CSV or OFX format
- Desktop version
- Ability to set spending limits
- Option to print transaction details
- Restore expense tracker functionality
- Add expense categories
- Automatic Touch ID application on start page
- Restore expense assistant
- Real-time transaction display
- Ability to see open amounts for current period
- Save/print/forward function
- Ability to see paid currency and exchange rate
- More features
- Instant transaction notifications
- Calendar view for expenses
- Export data in CSV or OFX format
- Desktop version
- Ability to set spending limits
- Option to print transaction details
- Restore expense tracker functionality
- Add expense categories
- Automatic Touch ID application on start page
- Restore expense assistant
- Real-time transaction display
ZKB Access
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Swisscard
No in-app purchases
ZKB Access
No in-app purchases
