Comparison

debiX+ vs LUKB TWINT

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

debiX+

Manage your debit card and TWINT account securely with this app. Authorize online purchases, view transaction history, and control digital card deposits. It offers biometric authentication for enhanced security and convenience.

Highlights
  • Authorize online purchases with 3D Secure
  • Biometric authentication for payments
  • View debit card transaction history
  • Manage digitally deposited debit cards
  • Enable contactless payments
  • Change debit card PIN
Features
Read full description

PREREQUISITE: You need a registration code (OTRC) to link your debit card or TWINT account to the app. You will receive the OTRC code from your bank. IMPORTANT: SIX will never ask you to disclose your card or login details via email, phone or SMS. For support requests, questions about your account, your debit card, your TWINT account, or using the app, please contact your bank. Your bank is your first point of contact for all customer concerns. Once successfully registered, you can benefit from the new digital features associated with your debit card or use security-related TWINT functions. The app ensures maximum security through hardened native app frameworks and 2-factor biometric authentication methods. Easy and secure online purchases: - Authorize online purchases using the secure 3D Secure procedure directly in the app. - Using biometrics, you can approve 3D Secure payments even more easily. - Debit card not at hand right now to make an online payment? No problem, look up your card details directly in the app. Keep an eye on your debit card transactions: - Overview of all debit card transactions in the last 100 days and max. 200 transactions (more account transactions can be found in your e-Banking). Keep track of and manage your digital debit cards: - Shows which online provider or wallet your debit card is digitally deposited with. - You can block and unblock the digitally deposited debit card or delete it altogether. - An existing subscription is not affected by a block or cancellation. The merchant cannot make a charge to a blocked or deleted digital debit card and no transaction can be made at the payment wallet. - Give your debit card a name to better distinguish it from the others. - Look up the details of the debit card directly in the app if you don't have the physical card at hand. Mobile Payments - Did you know you can also use your debit card to make contactless payments with your smartphone? - Deposit your debit card from the app directly into the payment wallet on your device if your bank is setup for it. - Pay at all NFC terminals worldwide without opening the app for it. Card settings: - You can use the card settings to influence online shopping, cash withdrawals at ATMs, transactions to gambling & betting or contactless payment (if your bank is enabled for it). - Give your debit card a name in your card settings. This helps especially if you have multiple debit cards. - Remove individual debit cards from the app in your card's settings if needed. Please note that you will need a new OTRC code from your bank if you want to register the debit card in the app again. - Look up the debit card details directly in the app if you don't have the physical card handy. - Change your debit card PIN directly in the app. For a virtual debit card, the PIN is active immediately. If you have a physical debit card, you need to use the new PIN to withdraw money once at ATMs (not Postomats) or to make a balance inquiry so that you can pay in stores with the PIN. TWINT: Link your TWINT account to the debiX+ app to confirm the execution of security-critical TWINT functions (e.g., re-registration or the authorization of certain payments). NOTE: debiX+ works for Visa Debit and Debit Mastercard cardholders from selected banks in Switzerland and Liechtenstein, and for TWINT accounts from selected banks in Switzerland.

About

LUKB TWINT

This app simplifies mobile payments by allowing users to send and receive money, pay at the point of sale, and manage digital loyalty cards. It connects directly to your bank account for seamless transactions and offers features like delayed payments for online purchases.

Highlights
  • Send and receive money instantly
  • Pay at checkout and online shops
  • Digital loyalty cards and coupons
  • Delayed payment option for online purchases
  • Connects directly to bank account
  • Secure access with PIN or biometrics
Features
Read full description

Die LUKB TWINT App, die kostenlose mobile Bezahllösung der Luzerner Kantonalbank, vereinfacht dein mobiles Bezahlen. Unter anderem kannst du bequem mit dem Smartphone an der Kasse, in Online-Shops oder an Automaten bezahlen, Geld an Freunde senden oder empfangen, Kundenkarten hinterlegen und von digitalen Stempelkarten und Rabatt-Coupons profitieren. Mit der LUKB TWINT App kannst du dich direkt mit deinem LUKB Privatkonto verbinden. So werden deine Geldsendungen oder Einkäufe direkt deinem Konto belastet und erhaltene Beträge gutgeschrieben. Die Vorteile auf einen Blick: - Rund um die Uhr in Echtzeit Geld senden, empfangen und anfordern – von Smartphone zu Smartphone. - Einfaches Bezahlen im Online-Shop, an der Kasse, in der Kantine und am Automaten. - «Später bezahlen» von Online-Einkäufen (30 Tage) - Die Registrierung erfolgt in wenigen Schritten mittels LUKB E-Banking-Logindaten. - Die Nutzung der LUKB TWINT App ist kostenlos. Es fallen keine Transaktionsgebühren an. - Belastungen erfolgen direkt auf dein Bankkonto. Ein umständliches Aufladen der App mit Geld ist nicht notwendig. - Gutschriften erhältst du direkt auf dein Bankkonto. Die LUKB TWINT App ist sicher: Der Zugang erfolgt per Eingabe einer sechsstelligen PIN oder mittels Erkennung biometrischer Merkmale. Selbstverständlich erfüllt die LUKB TWINT App alle Sicherheitsstandards der Schweizer Banken. Anwendungsbeispiele: - Alle einzeln zahlen lassen oder twinten? Teile die Kosten für den gemeinsamen Restaurantbesuch. - Fehlt mal wieder das Münz? Kein Problem! Mit der LUKB TWINT App bezahlst du die Parkuhr, ÖV-Tickets, Snacks von Hofläden oder am Automaten bargeldlos. - Online bezahlen oder twinten? Bezahl die neue Spielkonsole mit der LUKB TWINT App. - Sich oder anderen eine Freude machen? Erlebnisgutscheine schenken, von Super Deals profitieren und weitere tolle Funktionen in der App entdecken. Einfache Registrierung in drei Schritten: 1. Die LUKB TWINT App auf dem Smartphone installieren 2. Mittels LUKB E-Banking-Logindaten registrieren 3. Twinten und von den vielen Vorteilen profitieren Voraussetzungen: Für die Nutzung der LUKB TWINT App benötigst du ein Smartphone mit einer Schweizer Mobilnummer und ein Privatkonto der Luzerner Kantonalbank. Weiterführende Informationen: www.lukb.ch/twint E-Banking der Luzerner Kantonalbank: ebanking.lukb.ch

Screenshots

debiX+4 screens
LUKB TWINT4 screens

Verdict

The call

The clearest difference is rating: LUKB TWINT at 4.7 against debiX+'s 4.3. On price, ratings volume, update cadence and ads 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

LUKB TWINT holds the better App Store score, 4.7 against 4.3. Both are backed by a comparable volume of ratings — 47 and 37 respectively.

UpkeepUpdate frequency

debiX+ ships an update every 6 weeks, LUKB TWINT every 2 months. Both last shipped on November 7, 2026.

Scorecard1 real difference · 9 level
debiX+ versus LUKB TWINT: the parameters behind the verdict, then further details
ParameterdebiX+LUKB TWINT
PriceFreeFree
Rating4.3 (47 ratings)4.7 (37 ratings) — better
Positive reviews14.7% of reviews—
Number of ratings47 — better37
Update frequencyEvery 6 weeks — betterEvery 2 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhoneiPhone
Requires iOS16.416.0 — better
Further details — not scored
Size54 MB58 MB
Age rating4+4+
DeveloperSIXLuzerner Kantonalbank

Customer experience

debiX+

All ratings45 ratings
Positive80.0%
Neutral6.7%
Negative13.3%
Written reviews34 reviews
Positive14.7%
Neutral0.0%
Negative85.3%

LUKB TWINT

All ratings37 ratings
Positive94.6%
Neutral0.0%
Negative5.4%

In-app purchases

None

debiX+

No in-app purchases

None

LUKB TWINT

No in-app purchases

Questions

Is debiX+ free?
debiX+ is free to download, with no in-app purchases.
Is LUKB TWINT free?
LUKB TWINT is free to download, with no in-app purchases.
Which has better reviews, debiX+ or LUKB TWINT?
LUKB TWINT is rated higher. debiX+ averages 4.3 out of 5 from 47 ratings, while LUKB TWINT averages 4.7 from 37 ratings.
Do debiX+ or LUKB TWINT have ads?
Neither debiX+ nor LUKB TWINT shows ads.
Which is updated more often, debiX+ or LUKB TWINT?
debiX+ ships an update every 6 weeks, and LUKB TWINT every 2 months. Most recently, debiX+ was updated on November 7, 2026 and LUKB TWINT on November 7, 2026.

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