Comparison

Swisscard vs LUKB E

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

Head to head
About

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.

Highlights
  • Real-time online payment confirmation
  • Transaction push notifications
  • Card blocking and unblocking
  • Spending limit tracking
  • Monthly statement review
  • Transaction filtering
  • PIN code display/ordering
Features
Read full description

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

About

LUKB E

Manage your finances easily and securely from anywhere. Scan and pay bills, track account balances, monitor stock performance, and digitally invest. Secure login options and instant card management are available.

Highlights
  • Bill scanning and payment
  • eBill management
  • Account balance and expense tracking
  • Stock market monitoring
  • Digital investment with fluks 3a
  • Biometric login
  • Card management (blocking, limits, contactless)
Read full description

EINFACH, SCHNELL UND SICHER. DIE E-BANKING-APP DER LUZERNER KANTONALBANK. Ob auf dem Sofa, im Urlaub oder unterwegs: Mit der App «LUKB E-Banking» erledigen Sie Ihre Bankgeschäfte jederzeit und überall. Rechnungen scannen – einfach bezahlen QR-Rechnung scannen, Zahlung freigeben, fertig. eBill – kontrollieren und bezahlen eBill-Rechnungen können Sie in der App kontrollieren und freigeben. Ihre Finanzen im Überblick – immer aktuell Den Kontostand und alle Ausgaben können Sie jederzeit überprüfen. Börse verfolgen – jederzeit und überall Verfolgen Sie die Wertentwicklung Ihrer Depots und Tätigen Sie Aufträge wann Sie wollen. Digital vorsorgen – mit fluks 3a Schon ab 2 Franken Startkapital können Sie komplett digital in den für Sie geeigneten Vorsorgefonds investieren. Schnelles Login – aber sicher Nutzen Sie den Fingerabdruck oder die Gesichtserkennung für das Login. Genauso sicher wie mit Passwort, aber schneller. Sicherheit wie auf dem Computer Die App erfüllt hohe Sicherheitsstandards und übermittelt Daten nur über verschlüsselte Kanäle. Kartenausgaben – immer unter Kontrolle Die Transaktionen Ihrer Visa Debit und Kreditkarten sind in der App jederzeit ersichtlich. Karte verloren – sofort gesperrt Sperren Sie verlorene Karten direkt in der App und bestellen Sie gleichzeitig eine Ersatzkarte. Passen Sie die Kartenlimiten an oder aktivieren/deaktivieren Sie das kontaktlose Bezahlen. Push-Benachrichtigungen Behalten Sie die Kontrolle über Ihre Finanzen. Bei Kontotransaktionen, neuen Mitteilungen oder mehr werden Sie unverzüglich mittels Push-Mitteilung informiert. Sichere Kommunikation Schreiben Sie uns über den gesicherten E-Banking-Kanal Nachrichten. Favoriten Erstellen Sie Ihre persönliche Startseite, indem Sie Ihre Favoriten hinzufügen. HABEN SIE FRAGEN ZUM LUKB E-BANKING? Unser E-Banking-Helpdesk +41 844 844 866 steht Ihnen bei Fragen von Montag bis Freitag von 08:00 Uhr bis 18:00 Uhr zur Verfügung. SICHERHEITSHINWEISE Bitte leisten Sie Ihren Beitrag zur Sicherheit und halten Sie die Sicherheitsempfehlungen ein: https://www.lukb.ch/sicherheit RECHTLICHE HINWEISE Diese App setzt eine Bankbeziehung sowie einen E-Banking-Vertrag mit der Luzerner Kantonalbank AG voraus. Wir weisen Sie darauf hin, dass durch das Herunterladen, die Installation und die Verwendung dieser Applikation Dritte (wie z.B. Apple) auf eine bestehende, ehemalige oder zukünftige Kundenbeziehung zwischen Ihnen und der Luzerner Kantonalbank AG schliessen können.

Screenshots

Swisscard4 screens
LUKB E4 screens

Verdict

The call

The clearest difference is update cadence: Swisscard at fortnightly against LUKB E's every 2 months. Swisscard also leads on ratings volume (273 vs 13). LUKB E's advantage is rating (4.8 vs 4.6) and review sentiment (33% vs 22%). On price, ads, in-app purchases and monetization model 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

LUKB E holds the better App Store score, 4.8 against 4.6. That said, the two scores are not equally well evidenced: Swisscard has 273 ratings behind it against 13, so its average is the more settled of the two. Written reviews point the same way: 22% of Swisscard's written reviews are positive against 33% of LUKB E's.

UpkeepUpdate frequency

Swisscard ships an update fortnightly, LUKB E every 2 months. The most recent releases landed on November 11, 2026 and November 2, 2026 respectively.

Scorecard6 real differences · 4 level
Swisscard versus LUKB E: the parameters behind the verdict, then further details
ParameterSwisscardLUKB E
PriceFreeFree
Rating4.6 (273 ratings)4.8 (13 ratings) — better
Positive reviews21.5% of reviews33.3% of reviews — better
Number of ratings273 — better13
Update frequencyFortnightly — betterEvery 2 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhoneiPhone, iPad, iPod — better
Requires iOS17.015.0 — better
Further details — not scored
Size154 MB53 MB
Age rating4+4+
DeveloperSwisscardLuzerner Kantonalbank

Customer experience

Swisscard

All ratings272 ratings
Positive89.3%
Neutral2.2%
Negative8.5%
Written reviews93 reviews
Positive21.5%
Neutral7.5%
Negative71.0%

LUKB E

All ratings13 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews3 reviews
Positive33.3%
Neutral33.3%
Negative33.3%

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
Show 66 more
  • 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
Show 49 more
  • 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

LUKB E

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Swisscard

No in-app purchases

None

LUKB E

No in-app purchases

Questions

Is Swisscard free?
Swisscard is free to download, with no in-app purchases.
Is LUKB E free?
LUKB E is free to download, with no in-app purchases.
Which has better reviews, Swisscard or LUKB E?
LUKB E is rated higher. Swisscard averages 4.6 out of 5 from 273 ratings, while LUKB E averages 4.8 from 13 ratings.
Do Swisscard or LUKB E have ads?
Neither Swisscard nor LUKB E shows ads.
Which is updated more often, Swisscard or LUKB E?
Swisscard ships an update fortnightly, and LUKB E every 2 months. Most recently, Swisscard was updated on November 11, 2026 and LUKB E on November 2, 2026.

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