ZKB Access vs ZugerKB TWINT
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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
ZugerKB TWINT
Make cashless payments at the checkout, in online shops, or at vending machines. Send and receive money instantly via your smartphone. Secure access with PIN or fingerprint, backed by Swiss banking security standards.
- Cashless payments
- Send and receive money
- Secure access (PIN/fingerprint)
- Digital stamp cards and coupons
- Store customer cards
- Direct bank account debit
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Bezahlen Sie bargeldlos an der Kasse, in Online-Shops an Automaten, oder senden und empfangen Sie Geld über Ihr Smartphone. Schnell, einfach und mobil. Vorteile der ZugerKB TWINT App - Bequem: Geld senden, empfangen und anfordern – innert Sekunden. - Sicher: Zugang mit 6-stelligem Zahlencode (PIN) oder via Fingerprint. Es werden die Sicherheitsstandards der Schweizer Banken angewendet. - Kostenlos: ZugerKB TWINT ist gratis und es werden keine Transaktionsgebühren verrechnet. - Vorteilhaft: Stempelkarten und Coupons gehören zum umfassenden Mehrwertpaket, genauso wie die Möglichkeit Kundenkarten zu hinterlegen. - Anerkannt: Hinter dem neuen Mobile Payment Service stehen die grössten Schweizer Banken und SIX. - Transparent: Zahlungen mit ZugerKB TWINT werden direkt Ihrem Bankkonto belastet. Voraussetzungen zur Nutzung von ZugerKB TWINT - Mindestalter 13 Jahre - Smartphone mit Schweizer Handynummer - Konto mit E-Banking-Vertrag bei der Zuger Kantonalbank
Screenshots
Verdict
The clearest difference is ads: ZKB Access at none against ZugerKB TWINT's shown. ZKB Access also leads on update cadence (every 5 weeks vs every 3 months) and monetization model (free vs ad-supported). On price, rating, in-app purchases and device support 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.
On the App Store both sit at effectively the same score — 4.9 for ZKB Access against 5.0 for ZugerKB TWINT. That said, the two scores are not equally well evidenced: ZKB Access has 214 ratings behind it against 34, so its average is the more settled of the two.
ZKB Access ships an update every 5 weeks, ZugerKB TWINT every 3 months. Both last shipped on October 24, 2026.
| Parameter | ZKB Access | ZugerKB TWINT |
|---|---|---|
| Price | Free | Free |
| Rating | 4.9 (214 ratings) | 5.0 (34 ratings) — better |
| Positive reviews | 100.0% of reviews | — |
| Number of ratings | 214 — better | 34 |
| Update frequency | Every 5 weeks — better | Every 3 months |
| Ads | No — better | Yes |
| In-app purchases | No | No |
| Monetization | Free — better | Ad-supported |
| Devices | iPhone, iPad — better | iPhone |
| Requires iOS | 16.4 | 16.0 — better |
| Further details — not scored | ||
| Size | 127 MB | 58 MB |
| Age rating | 4+ | 12+ |
| Developer | Zuercher Kantonalbank | Zuger Kantonalbank |
Customer experience
ZKB Access
ZugerKB TWINT
In-app purchases
ZKB Access
No in-app purchases
ZugerKB TWINT
No in-app purchases
