# ZKB Access vs LUKB TWINT

The clearest difference is ratings volume: ZKB Access at 214 against LUKB TWINT's 37. On price, rating, update cadence and ads 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 4.7. That said, the two scores are not equally well evidenced: ZKB Access has 214 ratings behind it against 37, so its average is the more settled of the two.

ZKB Access ships an update every 5 weeks, LUKB TWINT every 2 months. Both last shipped on October 24, 2026.

## The numbers

| Metric | ZKB Access | LUKB TWINT |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.9 (214 ratings)](https://appshunter.io/ios/app/zkb-access/id1211229343/reviews)** | [4.7 (37 ratings)](https://appshunter.io/ios/app/lukb-twint/id1629398624/reviews) |
| Number of ratings | **214** | 37 |
| Positive reviews | 100.0% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 5 weeks** | Every 2 months |
| Monetization | Free | Free |
| Size | 127 MB | 57 MB |
| Requires iOS | 16.4 | **16.0** |
| Devices | **iPhone, iPad** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Zuercher Kantonalbank](https://appshunter.io/developer/428937858) | [Luzerner Kantonalbank](https://appshunter.io/developer/364591552) |

## 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


### LUKB TWINT

[App page](https://appshunter.io/ios/app/lukb-twint/id1629398624)

This app simplifies mobile payments, allowing users to send and receive money, pay at the point of sale, and manage digital loyalty cards. It connects directly to your bank account for seamless transactions.

**Highlights:** Send and receive money instantly, Pay at stores and online, Digital loyalty cards and coupons, Later payment option for online purchases, Secure access with PIN or biometrics

**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 LUKB TWINT free?

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

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

ZKB Access is rated higher. ZKB Access averages 4.9 out of 5 from 214 ratings, while LUKB TWINT averages 4.7 from 37 ratings.

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

Neither ZKB Access nor LUKB TWINT shows ads.

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

ZKB Access ships an update every 5 weeks, and LUKB TWINT every 2 months. Most recently, ZKB Access was updated on October 24, 2026 and LUKB 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.*