# TopCard Security vs Cembra App

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.

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.

## The numbers

| Metric | TopCard Security | Cembra App |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.6 (158 ratings)](https://appshunter.io/ios/app/topcard-security/id1417339149/reviews)** | [4.5 (68 ratings)](https://appshunter.io/ios/app/cembra-app/id1592458781/reviews) |
| Number of ratings | **158** | 68 |
| Positive reviews | 36.4% of reviews | **41.7% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | **Every 3 weeks** |
| Monetization | **Free** | Ad-supported |
| Size | 73 MB | 322 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 Security

[App page](https://appshunter.io/ios/app/topcard-security/id1417339149)

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:** Vision Pro support

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