Comparison

VIAC 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

VIAC

Invest in financial products like investment plans, pillar 3a, and vested benefits with a cost-effective and flexible app. Offers expert support and customizable investment strategies, along with options for life insurance and mortgage benefits.

Highlights
  • Cost-effective investing with low entry barriers
  • Simple and intuitive app interface
  • Expert support via phone, chat, or email
  • Flexible investment strategy customization
  • Life insurance options (VIAC Life)
  • Exclusive mortgage benefits
Read full description

The best financial products in one app VIAC - Your securities solution for investment plans, pillar 3a and vested benefits Discover a simple and cost-effective way to invest with VIAC. Our app offers maximum flexibility and expert support to help you achieve your financial goals. Why invest with VIAC? • Cost-effective with low entry barriers: Invest from as little as CHF 1 - with no minimum deposit, minimum fee or minimum term. • Simple and clean app: Intuitive handling and clear structure for a seamless user experience. • Expert support: Our team is available by phone, chat or email to answer all your questions. • Maximum flexibility: Customize your investment strategy - from interest-bearing accounts to 99% equities, broadly diversified with passive, index-based instruments. Adjust your strategy at any time - at no extra cost. VIAC Life Protect your future: with VIAC Life Basic you receive up to 25% in addition to your savings as a 3a or VB customer in the event of disability or death. With VIAC Life Plus, you can add additional coverage directly in the app. VIAC Mortgage Benefit from exclusive and fair mortgages with top interest rates as a VIAC customer. Download the VIAC app now and benefit!

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

VIAC4 screens
Cembra App4 screens

Verdict

The call

The clearest difference is rating: Cembra App at 4.5 against VIAC's 4.2. Cembra App also leads on ratings volume (66 vs 5) and update cadence (every 3 weeks vs every 6 weeks). VIAC's advantage is monetization model (free vs ad-supported) and review sentiment (50% vs 42%). On price, ads, in-app purchases and device support 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

Cembra App holds the better App Store score, 4.5 against 4.2. That said, the two scores are not equally well evidenced: Cembra App has 66 ratings behind it against 5, so its average is the more settled of the two. Written reviews complicate that: 50% of VIAC's written reviews are positive against 42% of Cembra App's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

VIAC ships an update every 6 weeks, Cembra App every 3 weeks. The most recent releases landed on July 4, 2026 and September 10, 2026 respectively.

Scorecard5 real differences · 5 level
VIAC versus Cembra App: the parameters behind the verdict, then further details
ParameterVIACCembra App
PriceFreeFree
Rating4.2 (5 ratings)4.5 (66 ratings) — better
Positive reviews50.0% of reviews — better41.7% of reviews
Number of ratings566 — better
Update frequencyEvery 6 weeksEvery 3 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree — betterAd-supported
DevicesiPhone, iPod — betteriPhone
Requires iOS15.0 — better16.0
Further details — not scored
Size78 MB310 MB
Age rating4+4+
DeveloperWIR Bank GenossenschaftCembra Money Bank AG

Customer experience

VIAC

All ratings5 ratings
Positive80.0%
Neutral0.0%
Negative20.0%
Written reviews2 reviews
Positive50.0%
Neutral0.0%
Negative50.0%

Cembra App

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

In-app purchases

None

VIAC

No in-app purchases

None

Cembra App

No in-app purchases

Questions

Is VIAC free?
VIAC 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, VIAC or Cembra App?
Cembra App is rated higher. VIAC averages 4.2 out of 5 from 5 ratings, while Cembra App averages 4.5 from 66 ratings.
Do VIAC or Cembra App have ads?
Neither VIAC nor Cembra App shows ads.
Which is updated more often, VIAC or Cembra App?
VIAC ships an update every 6 weeks, and Cembra App every 3 weeks. Most recently, VIAC was updated on July 4, 2026 and Cembra App on September 10, 2026.

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