Comparison

BCGE Twint 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

BCGE Twint

Easily send, request, and receive money directly from your bank account. Securely pay in participating stores and online shops, and manage loyalty cards with special offers. Transactions are fast, practical, and free of additional fees.

Highlights
  • Send, request, and receive money
  • Secure in-store and online payments
  • View transaction history
  • Manage loyalty cards and offers
  • Direct bank account debit/credit
Features
Read full description

BCGE TWINT allows you to send and receive money quickly and easily directly from your BCGE account. You can also pay securely in participating stores with the TWINT logo and at online shops. Functionalities : - Send, request and receive money directly from your BCGE account - Pay in participating stores and at online shops - View details of past transactions - Receive many special offers and include your loyalty cards directly into your BCGE TWINT app Advantages : - Fast, sending and requesting money only takes a few seconds - Practical, your account is debited or credited directly. No more cash needed - Secure, you register with your BCGE Netbanking access and you log in with a PIN you chose. - Attractive, your loyalty cards are already on the app and your discounts will always be at hand - Free, there are no additional fees on transactions Pay in shops: Depending on the option chosen by the store, you will have the possibility to pay by clicking on “Pay” on your BCGE TWINT or by scanning the QR code of the shopkeeper. For your online shopping, you can enter their digital code of five numbers and finalise your purchases. More information on : https://www.bcge.ch/en/twint Read our general terms and conditions: https://www.bcge.ch/en/twint-utilisation

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

BCGE Twint4 screens
Cembra App4 screens

Verdict

The call

The clearest difference is rating: BCGE Twint at 4.9 against Cembra App's 4.5. BCGE Twint also leads on monetization model (free vs ad-supported). Cembra App's advantage is update cadence (every 3 weeks vs every 3 months). On price, ratings volume, 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

BCGE Twint holds the better App Store score, 4.9 against 4.5. Both are backed by a comparable volume of ratings — 134 and 66 respectively.

UpkeepUpdate frequency

BCGE Twint ships an update every 3 months, Cembra App every 3 weeks. The most recent releases landed on September 15, 2026 and September 10, 2026 respectively.

Scorecard3 real differences · 7 level
BCGE Twint versus Cembra App: the parameters behind the verdict, then further details
ParameterBCGE TwintCembra App
PriceFreeFree
Rating4.9 (134 ratings) — better4.5 (66 ratings)
Positive reviews—41.7% of reviews
Number of ratings134 — better66
Update frequencyEvery 3 monthsEvery 3 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree — betterAd-supported
DevicesiPhoneiPhone
Requires iOS16.016.0
Further details — not scored
Size57 MB310 MB
Age rating4+4+
DeveloperBanque Cantonale de GeneveCembra Money Bank AG

Customer experience

BCGE Twint

All ratings134 ratings
Positive96.3%
Neutral3.0%
Negative0.7%

Cembra App

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

In-app purchases

None

BCGE Twint

No in-app purchases

None

Cembra App

No in-app purchases

Questions

Is BCGE Twint free?
BCGE Twint 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, BCGE Twint or Cembra App?
BCGE Twint is rated higher. BCGE Twint averages 4.9 out of 5 from 134 ratings, while Cembra App averages 4.5 from 66 ratings.
Do BCGE Twint or Cembra App have ads?
Neither BCGE Twint nor Cembra App shows ads.
Which is updated more often, BCGE Twint or Cembra App?
BCGE Twint ships an update every 3 months, and Cembra App every 3 weeks. Most recently, BCGE Twint was updated on September 15, 2026 and Cembra App on September 10, 2026.

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