# ZKB Access vs Cembra App

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.

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.

## The numbers

| Metric | ZKB Access | Cembra App |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.9 (211 ratings)](https://appshunter.io/ios/app/zkb-access/id1211229343/reviews)** | [4.5 (66 ratings)](https://appshunter.io/ios/app/cembra-app/id1592458781/reviews) |
| Number of ratings | **211** | 66 |
| Positive reviews | **100.0% of reviews** | 41.7% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 5 weeks | **Every 3 weeks** |
| Monetization | **Free** | Ad-supported |
| Size | 126 MB | 310 MB |
| Requires iOS | 16.4 | **16.0** |
| Devices | **iPhone, iPad** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Zürcher Kantonalbank](https://appshunter.io/developer/428937858) | [Cembra Money Bank AG](https://appshunter.io/developer/1441135426) |

## 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


### Cembra App

[App page](https://appshunter.io/ios/app/cembra-app/id1592458781)

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:** Apple Wallet, Vision Pro support

**In-app purchases:** none


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*