Comparison

TopCard Mobile 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

TopCard Mobile

Manage your credit and prepaid cards securely from your smartphone. Track spending, view statements, and block lost cards instantly. Receive real-time push notifications for debits and other important card activity.

Highlights
  • Card payment tracking
  • Spending overview
  • Last statement view
  • Instant card blocking
  • Push notifications for debits
  • Two-factor authentication
Features
Read full description

Keep track of your credit card and prepaid card payments from any location with your smartphone – securely and comfortably. What the TopCard Mobile App offers • Overview: Check your spending and the last statement. • Card blocking: If you lose your card, you can block it in the app. • Push notifications: See immediately when amounts are debited to your cards and much more. Are you eligible? • TopCard Credit Card or Prepaid Card • Device with iOS 17 or higher • Jailbroken devices are not supported. This is how secure the TopCard Mobile App is: The TopCard Mobile App offers a high security level. Thanks to two-factor authentication, access to your card data is protected. Nevertheless, please observe the following recommendations: • Lock your screen to protect your smartphone from unauthorized access. • Only use the security details of TopCard, such as the card/account number or PIN, to log in to the TopCard Mobile App. Never use it to log in to third-party apps. • Do not disclose any personal information or security details. TopCard will never ask you for such, neither in the app nor by telephone, e-mail or text message. The TopCard team hopes you enjoy using the TopCard Mobile App. We are looking forward to your feedback and your rating in the App Store.

About

Cembra App

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
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

TopCard Mobile4 screens
Cembra App4 screens

Verdict

The call

TopCard Mobile and Cembra App both sit at 4.4 stars, but that hides the real split: 42% of Cembra App's written reviews are positive against 9% of TopCard Mobile's. Cembra App also leads on update cadence (every 3 weeks vs every 2 months). On price, rating, ratings volume and ads 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

On the App Store both sit at effectively the same score — 4.4 for TopCard Mobile against 4.5 for Cembra App. Both are backed by a comparable volume of ratings — 189 and 68 respectively. Written reviews are what separate them: 9% of TopCard Mobile's written reviews are positive against 42% of Cembra App's.

UpkeepUpdate frequency

TopCard Mobile 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.

Scorecard2 real differences · 8 level
TopCard Mobile versus Cembra App: the parameters behind the verdict, then further details
ParameterTopCard MobileCembra App
PriceFreeFree
Rating4.4 (189 ratings)4.5 (68 ratings) — better
Positive reviews9.1% of reviews41.7% of reviews — better
Number of ratings189 — better68
Update frequencyEvery 2 monthsEvery 3 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhoneiPhone
Requires iOS16.016.0
Further details — not scored
Size101 MB321 MB
Age rating17+4+
DeveloperUBS Card Center AGCembra Money Bank AG

Customer experience

TopCard Mobile

All ratings188 ratings
Positive84.0%
Neutral5.9%
Negative10.1%
Written reviews22 reviews
Positive9.1%
Neutral9.1%
Negative81.8%

Cembra App

All ratings68 ratings
Positive89.7%
Neutral1.5%
Negative8.8%
Written reviews12 reviews
Positive41.7%
Neutral0.0%
Negative58.3%

In-app purchases

None

TopCard Mobile

No in-app purchases

None

Cembra App

No in-app purchases

Questions

Is TopCard Mobile free?
TopCard Mobile 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, TopCard Mobile or Cembra App?
Cembra App is rated higher. TopCard Mobile averages 4.4 out of 5 from 189 ratings, while Cembra App averages 4.5 from 68 ratings.
Do TopCard Mobile or Cembra App have ads?
Neither TopCard Mobile nor Cembra App shows ads.
Which is updated more often, TopCard Mobile or Cembra App?
TopCard Mobile ships an update every 2 months, and Cembra App every 3 weeks. Most recently, TopCard Mobile was updated on November 2, 2026 and Cembra App on November 3, 2026.

Other comparisons