Comparison

ZKB Access vs Cembra App

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

Head to head
About

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.

Highlights
  • Secure eBanking login
  • New customer identification
  • ID scan and video selfie
  • Smartphone and tablet support
  • Two-channel security
Read full description

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

About

Cembra App

Manage your credit card details, view purchases in real-time, and retrieve your card PIN. Easily suspend your credit card and access monthly statements. Secure login with fingerprint or facial recognition.

Highlights
  • Real-time purchase tracking
  • Card PIN retrieval
  • Credit card suspension
  • Add card to Apple Wallet
  • Track credit card payments
  • Access monthly statements
  • Secure Touch ID/Face ID login
Features
Read full description

"Cembra App: It couldn't be simpler" From now on you can, among other things, check your purchases in real time, retrieve your card PIN and suspend your credit card yourself. "Who is the Cembra app for?" The Cembra app is ideal for all Cembra customers. If you haven't registered to use the app yet, you can easily do this here: https://apps.cembra.ch/cmf/en/#apply Once you have received your access code from us by mail, you can set up the Cembra app yourself with just a few simple steps. "These are the features you've been waiting for" * Find all important information about your Cembra credit card(s) in one overview. * Put your credit card/s into the Apple Wallet * Keep track of your current credit card payments * Manage and receive important push notifications * Access your monthly statements * Customize your personal data directly in the Cembra app * Log in easily and securely using Touch ID (fingerprint) or Face ID (facial recognition). We are working on new features and services all the time. We also look forward to receiving your suggestions and feedback. Do you have a technical issue with the Cembra App? Then you’re in the right place: cmfsupport[at]cembra.ch. For any questions about your account, please visit our Customer Center. (https://www.cembra.ch/en/customer-center/contact-via-e-mail/) at cembra.ch.

Screenshots

ZKB Access4 screens
Cembra App4 screens

Verdict

The call

The clearest difference is review sentiment: ZKB Access at 100% against Cembra App's 42%. ZKB Access also leads on rating (4.9 vs 4.5) and monetization model (free vs ad-supported). On price, update cadence, 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

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

ZKB Access holds the better App Store score, 4.9 against 4.5. Both are backed by a comparable volume of ratings — 211 and 66 respectively. Written reviews point the same way: 100% of ZKB Access's written reviews are positive against 42% of Cembra App's.

UpkeepUpdate frequency

ZKB Access ships an update every 5 weeks, Cembra App every 3 weeks. The most recent releases landed on September 19, 2026 and September 10, 2026 respectively.

Scorecard4 real differences · 6 level
ZKB Access versus Cembra App: the parameters behind the verdict, then further details
ParameterZKB AccessCembra App
PriceFreeFree
Rating4.9 (211 ratings) — better4.5 (66 ratings)
Positive reviews100.0% of reviews — better41.7% of reviews
Number of ratings211 — better66
Update frequencyEvery 5 weeksEvery 3 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree — betterAd-supported
DevicesiPhone, iPad — betteriPhone
Requires iOS16.416.0 — better
Further details — not scored
Size126 MB310 MB
Age rating4+4+
DeveloperZürcher KantonalbankCembra Money Bank AG

Customer experience

ZKB Access

All ratings211 ratings
Positive98.1%
Neutral0.5%
Negative1.4%
Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

Cembra App

All ratings66 ratings
Positive89.4%
Neutral1.5%
Negative9.1%
Written reviews12 reviews
Positive41.7%
Neutral0.0%
Negative58.3%

In-app purchases

None

ZKB Access

No in-app purchases

None

Cembra App

No in-app purchases

Questions

Is ZKB Access free?
ZKB Access is free to download, with no in-app purchases.
Is Cembra App free?
Cembra App is free to download, with no in-app purchases.
Which has better reviews, ZKB Access or Cembra App?
ZKB Access is rated higher. ZKB Access averages 4.9 out of 5 from 211 ratings, while Cembra App averages 4.5 from 66 ratings.
Do ZKB Access or Cembra App have ads?
Neither ZKB Access nor Cembra App shows ads.
Which is updated more often, ZKB Access or Cembra App?
ZKB Access ships an update every 5 weeks, and Cembra App every 3 weeks. Most recently, ZKB Access was updated on September 19, 2026 and Cembra App on September 10, 2026.

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