# VIAC vs Cembra App

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.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

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.

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.

## The numbers

| Metric | VIAC | Cembra App |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.2 (5 ratings)](https://appshunter.io/ios/app/viac/id1255818015/reviews) | **[4.5 (66 ratings)](https://appshunter.io/ios/app/cembra-app/id1592458781/reviews)** |
| Number of ratings | 5 | **66** |
| Positive reviews | **50.0% of reviews** | 41.7% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 6 weeks | **Every 3 weeks** |
| Monetization | **Free** | Ad-supported |
| Size | 78 MB | 310 MB |
| Requires iOS | **15.0** | 16.0 |
| Devices | **iPhone, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [WIR Bank Genossenschaft](https://appshunter.io/developer/1061534196) | [Cembra Money Bank AG](https://appshunter.io/developer/1441135426) |

## What reviewers say

### VIAC

[App page](https://appshunter.io/ios/app/viac/id1255818015)

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

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