# ZKB TWINT vs LUKB E

ZKB TWINT and LUKB E both sit at 4.9 stars, but that hides the real split: 100% of ZKB TWINT's written reviews are positive against 33% of LUKB E's. ZKB TWINT also leads on update cadence (monthly vs every 2 months) and ratings volume (114 vs 13). LUKB E's advantage is ads (none vs shown) and monetization model (free vs ad-supported). On price, rating, in-app purchases and iOS requirement there is nothing between them.

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

On the App Store both sit at effectively the same score — 4.9 for ZKB TWINT against 4.8 for LUKB E. That said, the two scores are not equally well evidenced: ZKB TWINT has 114 ratings behind it against 13, so its average is the more settled of the two. Written reviews are what separate them: 100% of ZKB TWINT's written reviews are positive against 33% of LUKB E's.

ZKB TWINT ships an update monthly, LUKB E every 2 months. Both last shipped on October 24, 2026.

## The numbers

| Metric | ZKB TWINT | LUKB E |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.9 (114 ratings)](https://appshunter.io/ios/app/zkb-twint/id1210312916/reviews)** | [4.8 (13 ratings)](https://appshunter.io/ios/app/lukb-e-banking/id1263856292/reviews) |
| Number of ratings | **114** | 13 |
| Positive reviews | **100.0% of reviews** | 33.3% of reviews |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | **Monthly** | Every 2 months |
| Monetization | Ad-supported | **Free** |
| Size | 75 MB | 53 MB |
| Requires iOS | 16.0 | **15.0** |
| Devices | iPhone | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Zuercher Kantonalbank](https://appshunter.io/developer/428937858) | [Luzerner Kantonalbank](https://appshunter.io/developer/364591552) |

## What reviewers say

### ZKB TWINT

[App page](https://appshunter.io/ios/app/zkb-twint/id1210312916)

This Swiss payment app allows for fast, secure, and convenient transactions. Send, receive, and request money in real-time, pay in online shops and at checkouts, and even withdraw cash. It offers flexible limit adjustments and transparent transaction history.

**Highlights:** Real-time money transfer, Online and in-store payments, Cash withdrawal, Flexible limit adjustments, Transaction history search, Digital vouchers and tickets

**In-app purchases:** none


### LUKB E

[App page](https://appshunter.io/ios/app/lukb-e-banking/id1263856292)

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)

**In-app purchases:** none


## Frequently asked questions

### Is ZKB TWINT free?

ZKB TWINT 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, ZKB TWINT or LUKB E?

ZKB TWINT is rated higher. ZKB TWINT averages 4.9 out of 5 from 114 ratings, while LUKB E averages 4.8 from 13 ratings.

### Do ZKB TWINT or LUKB E have ads?

ZKB TWINT shows ads; LUKB E does not.

### Which is updated more often, ZKB TWINT or LUKB E?

ZKB TWINT ships an update monthly, and LUKB E every 2 months. Most recently, ZKB TWINT was updated on October 24, 2026 and LUKB E on October 24, 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.*