# ZKB Access vs ZugerKB TWINT

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.

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.

## The numbers

| Metric | ZKB Access | ZugerKB TWINT |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.9 (214 ratings)](https://appshunter.io/ios/app/zkb-access/id1211229343/reviews) | **[5.0 (34 ratings)](https://appshunter.io/ios/app/zugerkb-twint/id1239824366/reviews)** |
| Number of ratings | **214** | 34 |
| Positive reviews | 100.0% of reviews | — |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | **Every 5 weeks** | Every 3 months |
| Monetization | **Free** | Ad-supported |
| Size | 127 MB | 58 MB |
| Requires iOS | 16.4 | **16.0** |
| Devices | **iPhone, iPad** | iPhone |
| Age rating | 4+ | 12+ |
| Developer | [Zuercher Kantonalbank](https://appshunter.io/developer/428937858) | [Zuger Kantonalbank](https://appshunter.io/developer/968381680) |

## What reviewers say

### ZKB Access

[App page](https://appshunter.io/ios/app/zkb-access/id1211229343)

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.

**Highlights:** Secure eBanking login, New customer identification, ID scan and video selfie, Smartphone and tablet support, Two-channel security

**In-app purchases:** none


### ZugerKB TWINT

[App page](https://appshunter.io/ios/app/zugerkb-twint/id1239824366)

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.

**Highlights:** Cashless payments, Send and receive money, Secure access (PIN/fingerprint), Digital stamp cards and coupons, Store customer cards, Direct bank account debit

**Features:** Apple Wallet

**In-app purchases:** none


## Frequently asked questions

### Is ZKB Access free?

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

### Is ZugerKB TWINT free?

ZugerKB TWINT is free to download, with no in-app purchases.

### Which has better reviews, ZKB Access or ZugerKB TWINT?

ZugerKB TWINT is rated higher. ZKB Access averages 4.9 out of 5 from 214 ratings, while ZugerKB TWINT averages 5.0 from 34 ratings.

### Do ZKB Access or ZugerKB TWINT have ads?

ZugerKB TWINT shows ads; ZKB Access does not.

### Which is updated more often, ZKB Access or ZugerKB TWINT?

ZKB Access ships an update every 5 weeks, and ZugerKB TWINT every 3 months. Most recently, ZKB Access was updated on October 24, 2026 and ZugerKB TWINT 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.*