Comparison

TopCard Security 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 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.

Highlights
  • 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
Features
Read full description

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.

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

TopCard Security4 screens
Cembra App4 screens

Verdict

The call

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

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 — 4.6 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.

UpkeepUpdate frequency

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.

Scorecard2 real differences · 8 level
TopCard Security versus Cembra App: the parameters behind the verdict, then further details
ParameterTopCard SecurityCembra App
PriceFreeFree
Rating4.6 (158 ratings) — better4.5 (68 ratings)
Positive reviews36.4% of reviews41.7% of reviews — better
Number of ratings158 — better68
Update frequencyEvery 2 monthsEvery 3 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree — betterAd-supported
DevicesiPhoneiPhone
Requires iOS16.016.0
Further details — not scored
Size73 MB322 MB
Age rating17+4+
DeveloperUBS Card Center AGCembra Money Bank AG

Customer experience

TopCard Security

All ratings158 ratings
Positive89.9%
Neutral1.9%
Negative8.2%
Written reviews11 reviews
Positive36.4%
Neutral0.0%
Negative63.6%

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 Security

No in-app purchases

None

Cembra App

No in-app purchases

Questions

Is TopCard Security free?
TopCard Security 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 Security or Cembra App?
TopCard Security is rated higher. TopCard Security averages 4.6 out of 5 from 158 ratings, while Cembra App averages 4.5 from 68 ratings.
Do TopCard Security or Cembra App have ads?
Neither TopCard Security nor Cembra App shows ads.
Which is updated more often, TopCard Security or Cembra App?
TopCard Security ships an update every 2 months, and Cembra App every 3 weeks. Most recently, TopCard Security was updated on October 11, 2026 and Cembra App on October 15, 2026.

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