Comparison

BCVS TWINT 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

BCVS TWINT

Send and receive money instantly from your bank account. Securely pay in stores, online, or at machines using your smartphone. Offers discounts and loyalty cards.

Highlights
  • Send and receive money in real-time
  • Secure in-store and online payments
  • Pay at vending machines
  • Purchase digital vouchers
  • Access loyalty and discount cards
  • Direct link to BCVS bank account
Features
Read full description

BCVS TWINT vous permet d’envoyer et de recevoir de l’argent rapidement et facilement depuis votre compte BCVS. Vous pouvez également payer en toute sécurité dans les commerces portant la signalétique TWINT. Le débit direct est effectué automatiquement sur le compte correspondant. Fonctionnalités : Envoyer et demander en temps réel des montants à des amis ou des membres de la famille. • Comment procéder? Il suffit de saisir le montant, sélectionner la personne et compléter par un message ou une photo. Payer facilement sans argent liquide avec votre smartphone dans les commerces, dans les boutiques en ligne ou aux distributeurs automatiques. • Comment procéder? Il suffit d’ouvrir l'app et payez au moyen de la fonction «Payer ». Effectuer vos achats sur Internet – rapidement et en toute sécurité sans devoir entrer des numéros de cartes. • Comment procéder? Il suffit d’ouvrir l'app, lire le code QR affiché et confirmer le montant. Payer un parking, achat de bons numériques, faire un don, faire le plein, Super-deals, Abonnements mobiles et Internet, assurances, etc. • Comment procéder? Il suffit d’ouvrir l'app. et de se rendre dans la rubrique «Fonctions partenaires ». Avantages : Payez facilement et en toute sécurité: RAPIDE : Vous envoyez et demandez de l’argent en temps réel. PRATIQUE : Vous disposez d'une connexion directe à votre compte BCVS. SÉCURISÉ : Vous vous enregistrez avec vos identifiants E-Banking BCVS et vous vous connectez avec un code dédié. FACILE : • Vous pouvez envoyer, demander et recevoir de l’argent en quelques secondes • Vous effectuez facilement et sans espèce vos achats au moyen de votre smartphone ATTRACTIF : • Vous bénéficiez automatiquement de bons de réduction au moment de payer • Vous disposez à tout moment des cartes clients et de fidélité de vos magasins préférés dans l'app GRATUIT : Vous téléchargez gratuitement l’application et ne payez aucuns frais supplémentaires sur les opérations. Conditions : • 12 ans révolus minimum • Etre domicilié en Suisse • Personnes physiques (comptes Business exclus) • Disposer d’un compte éligible (par exemple Privé, Club, Compte Bienvenue) • Signature individuelle sur le compte • Disposer d’un accès E-Banking • No de téléphone suisse BCVS TWINT est destinée à un usage privé et ne peut pas être utilisée par les marchands pour recevoir des paiements de leurs clientes et clients avec la fonction envoyer de l’argent. Téléchargez dès maintenant BCVS TWINT et digitalisez votre porte-monnaie !

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

BCVS TWINT4 screens
Cembra App4 screens

Verdict

The call

The clearest difference is rating: BCVS TWINT at 4.9 against Cembra App's 4.5. BCVS TWINT also leads on review sentiment (67% vs 42%) and monetization model (free vs ad-supported). Cembra App's advantage is update cadence (every 3 weeks vs every 4 months) and ratings volume (68 vs 15). On price, ads, in-app purchases and device support 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

BCVS TWINT holds the better App Store score, 4.9 against 4.5. Both are backed by a comparable volume of ratings — 15 and 68 respectively. Written reviews point the same way: 67% of BCVS TWINT's written reviews are positive against 42% of Cembra App's.

UpkeepUpdate frequency

BCVS TWINT ships an update every 4 months, Cembra App every 3 weeks. The most recent releases landed on October 6, 2026 and October 15, 2026 respectively.

Scorecard5 real differences · 5 level
BCVS TWINT versus Cembra App: the parameters behind the verdict, then further details
ParameterBCVS TWINTCembra App
PriceFreeFree
Rating4.9 (15 ratings) — better4.5 (68 ratings)
Positive reviews66.7% of reviews — better41.7% of reviews
Number of ratings1568 — better
Update frequencyEvery 4 monthsEvery 3 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree — betterAd-supported
DevicesiPhoneiPhone
Requires iOS16.016.0
Further details — not scored
Size58 MB322 MB
Age rating12+4+
DeveloperBanque Cantonale du ValaisCembra Money Bank AG

Customer experience

BCVS TWINT

All ratings15 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews3 reviews
Positive66.7%
Neutral0.0%
Negative33.3%

Cembra App

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

In-app purchases

None

BCVS TWINT

No in-app purchases

None

Cembra App

No in-app purchases

Questions

Is BCVS TWINT free?
BCVS TWINT 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, BCVS TWINT or Cembra App?
BCVS TWINT is rated higher. BCVS TWINT averages 4.9 out of 5 from 15 ratings, while Cembra App averages 4.5 from 68 ratings.
Do BCVS TWINT or Cembra App have ads?
Neither BCVS TWINT nor Cembra App shows ads.
Which is updated more often, BCVS TWINT or Cembra App?
BCVS TWINT ships an update every 4 months, and Cembra App every 3 weeks. Most recently, BCVS TWINT was updated on October 6, 2026 and Cembra App on October 15, 2026.

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