TopCard Security vs Cembra App
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
TopCard Security
Securely access digital financial services with this app. It provides quick login to portals and mobile apps using a PIN and generates one-time passwords for enhanced security. The app is protected by a user-chosen PIN and receives regular updates for optimal two-factor authentication.
- Secure login to digital services
- QR code scanning for portal access
- PIN protection for app security
- One-time password generation
- Two-factor authentication
- Quick and easy access
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The TopCard Security App is your secure and comfortable gateway to our digital services, such as the TopCard Portal and the TopCard Mobile App. This is how easy it is: • TopCard Portal: Open the login page, scan the QR code with the Security App and enter the PIN to securely log in to the TopCard Portal. • Mobile App: Start the Mobile App, enter the PIN – done! Benefit of the TopCard Security App: • Quick and easy access to digital services This is how secure the TopCard Security App is: • The Security App is protected by a password (PIN) of your choice, even if you should lose the smartphone. • The Security App generates and validates a new security code (one-time password) each time you log in to the Web Portal or Mobile App. • We keep the Security App up to date in order to offer you optimum protection with two-factor authentication at all times. How to activate the app: • Load the "TopCard Security App" on your smartphone. • Start the app and follow the instructions to activate it. Requirements: • TopCard Credit Card or Prepaid Card • Device with iOS 15 or higher • Jailbroken devices are not supported. The TopCard team hopes you enjoy using the TopCard Security App. We are looking forward to your feedback and your rating in the App Store.
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.
- 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
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"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
Verdict
The clearest difference is update cadence: Cembra App at every 3 weeks against TopCard Security's every 2 months. TopCard Security's advantage is monetization model (free vs ad-supported). On price, rating, review sentiment and ratings volume 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
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 — 4.6 for TopCard Security against 4.5 for Cembra App. Both are backed by a comparable volume of ratings — 158 and 68 respectively. Written reviews are what separate them: 36% of TopCard Security's written reviews are positive against 42% of Cembra App's.
TopCard Security ships an update every 2 months, Cembra App every 3 weeks. The most recent releases landed on October 11, 2026 and October 15, 2026 respectively.
| Parameter | TopCard Security | Cembra App |
|---|---|---|
| Price | Free | Free |
| Rating | 4.6 (158 ratings) — better | 4.5 (68 ratings) |
| Positive reviews | 36.4% of reviews | 41.7% of reviews — better |
| Number of ratings | 158 — better | 68 |
| Update frequency | Every 2 months | Every 3 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free — better | Ad-supported |
| Devices | iPhone | iPhone |
| Requires iOS | 16.0 | 16.0 |
| Further details — not scored | ||
| Size | 73 MB | 322 MB |
| Age rating | 17+ | 4+ |
| Developer | UBS Card Center AG | Cembra Money Bank AG |
Customer experience
TopCard Security
Cembra App
In-app purchases
TopCard Security
No in-app purchases
Cembra App
No in-app purchases









