# TopCard Mobile vs Cembra App

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.

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

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.

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.

## The numbers

| Metric | TopCard Mobile | Cembra App |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.4 (189 ratings)](https://appshunter.io/ios/app/topcard-mobile/id1417291822/reviews) | **[4.5 (68 ratings)](https://appshunter.io/ios/app/cembra-app/id1592458781/reviews)** |
| Number of ratings | **189** | 68 |
| Positive reviews | 9.1% of 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 | 101 MB | 321 MB |
| Requires iOS | 16.0 | 16.0 |
| Devices | iPhone | iPhone |
| Age rating | 17+ | 4+ |
| Developer | [UBS Card Center AG](https://appshunter.io/developer/1417291821) | [Cembra Money Bank AG](https://appshunter.io/developer/1441135426) |

## What reviewers say

### TopCard Mobile

[App page](https://appshunter.io/ios/app/topcard-mobile/id1417291822)

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:** Apple Wallet, Vision Pro support

**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 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.

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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.*