ZKB Access vs Cembra App
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
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.
- 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
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"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
Verdict
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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
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.
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.
| Parameter | ZKB Access | Cembra App |
|---|---|---|
| Price | Free | Free |
| Rating | 4.9 (211 ratings) — better | 4.5 (66 ratings) |
| Positive reviews | 100.0% of reviews — better | 41.7% of reviews |
| Number of ratings | 211 — better | 66 |
| Update frequency | Every 5 weeks | Every 3 weeks — better |
| Ads | No | No |
| 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 | 126 MB | 310 MB |
| Age rating | 4+ | 4+ |
| Developer | Zürcher Kantonalbank | Cembra Money Bank AG |
Customer experience
ZKB Access
Cembra App
In-app purchases
ZKB Access
No in-app purchases
Cembra App
No in-app purchases








