# True Wealth vs Cembra App

The clearest difference is rating: True Wealth at 5.0 against Cembra App's 4.5. True Wealth also leads on device support (3 vs 1) and iOS requirement (13 vs 16.0). Cembra App's advantage is ratings volume (66 vs 4). On price, update cadence, ads and in-app purchases there is nothing between them.

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

True Wealth holds the better App Store score, 5.0 against 4.5. That said, the two scores are not equally well evidenced: Cembra App has 66 ratings behind it against 4, so its average is the more settled of the two.

True Wealth ships an update monthly, Cembra App every 3 weeks. The most recent releases landed on July 21, 2026 and September 10, 2026 respectively.

## The numbers

| Metric | True Wealth | Cembra App |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (4 ratings)](https://appshunter.io/ios/app/true-wealth/id1533071762/reviews)** | [4.5 (66 ratings)](https://appshunter.io/ios/app/cembra-app/id1592458781/reviews) |
| Number of ratings | 4 | **66** |
| Positive reviews | — | 41.7% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Monthly | **Every 3 weeks** |
| Monetization | Ad-supported | Ad-supported |
| Size | 4 MB | 310 MB |
| Requires iOS | **13** | 16.0 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [True Wealth AG](https://appshunter.io/developer/1533071764) | [Cembra Money Bank AG](https://appshunter.io/developer/1441135426) |

## What reviewers say

### True Wealth

[App page](https://appshunter.io/ios/app/true-wealth/id1533071762)

Invest and save for retirement with an ETF-based wealth management service. Set your targets and retain control while the platform handles implementation, rebalancing, and custody fees. Offers options for child portfolios and Pillar 3a retirement accounts.

**Highlights:** ETF-based wealth management, Retirement savings, Child investment portfolios, Pillar 3a integration, Portfolio rebalancing, Cost-efficient management fees

**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 True Wealth free?

True Wealth 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, True Wealth or Cembra App?

True Wealth is rated higher. True Wealth averages 5.0 out of 5 from 4 ratings, while Cembra App averages 4.5 from 66 ratings.

### Do True Wealth or Cembra App have ads?

Neither True Wealth nor Cembra App shows ads.

### Which is updated more often, True Wealth or Cembra App?

True Wealth ships an update monthly, and Cembra App every 3 weeks. Most recently, True Wealth was updated on July 21, 2026 and Cembra App on September 10, 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.*