# BCGE Twint vs Cembra App

The clearest difference is rating: BCGE Twint at 4.9 against Cembra App's 4.5. Cembra App's advantage is update cadence (every 3 weeks vs every 2 months). On price, ratings volume, 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.

BCGE Twint holds the better App Store score, 4.9 against 4.5. Both are backed by a comparable volume of ratings — 141 and 68 respectively.

BCGE Twint ships an update every 2 months, Cembra App every 3 weeks. The most recent releases landed on November 2, 2026 and November 3, 2026 respectively.

## The numbers

| Metric | BCGE Twint | Cembra App |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.9 (141 ratings)](https://appshunter.io/ios/app/bcge-twint/id1251317799/reviews)** | [4.5 (68 ratings)](https://appshunter.io/ios/app/cembra-app/id1592458781/reviews) |
| Number of ratings | **141** | 68 |
| Positive reviews | — | 41.7% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | **Every 3 weeks** |
| Monetization | Free | Free |
| Size | 59 MB | 321 MB |
| Requires iOS | 16.0 | 16.0 |
| Devices | iPhone | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Banque Cantonale de Geneve](https://appshunter.io/developer/838212717) | [Cembra Money Bank AG](https://appshunter.io/developer/1441135426) |

## What reviewers say

### BCGE Twint

[App page](https://appshunter.io/ios/app/bcge-twint/id1251317799)

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:** Apple Wallet

**In-app purchases:** none


### Cembra App

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

Manage your credit card accounts with ease. Check purchases, retrieve your card PIN, and suspend your card instantly. Access statements, track payments, and receive important notifications.

**Highlights:** Real-time purchase tracking, Card PIN retrieval, Credit card suspension, Add card to Apple Wallet, Manage push notifications, Access monthly statements, Secure login with biometrics

**Features:** Apple Wallet, Vision Pro support

**In-app purchases:** none


## Frequently asked 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 141 ratings, while Cembra App averages 4.5 from 68 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 2 months, and Cembra App every 3 weeks. Most recently, BCGE Twint was updated on November 2, 2026 and Cembra App on November 3, 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.*