# BCVS TWINT vs Cembra App

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.

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

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.

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.

## The numbers

| Metric | BCVS TWINT | Cembra App |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.9 (15 ratings)](https://appshunter.io/ios/app/bcvs-twint/id1436310234/reviews)** | [4.5 (68 ratings)](https://appshunter.io/ios/app/cembra-app/id1592458781/reviews) |
| Number of ratings | 15 | **68** |
| Positive reviews | **66.7% of reviews** | 41.7% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 4 months | **Every 3 weeks** |
| Monetization | **Free** | Ad-supported |
| Size | 58 MB | 322 MB |
| Requires iOS | 16.0 | 16.0 |
| Devices | iPhone | iPhone |
| Age rating | 12+ | 4+ |
| Developer | [Banque Cantonale du Valais](https://appshunter.io/developer/980526019) | [Cembra Money Bank AG](https://appshunter.io/developer/1441135426) |

## What reviewers say

### BCVS TWINT

[App page](https://appshunter.io/ios/app/bcvs-twint/id1436310234)

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:** Apple Wallet

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