Comparison

BLKB 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

BLKB TWINT

Pay easily and securely with your smartphone at the checkout, online, or for parking. Send and receive money with friends at any time. Benefit from partner offers, coupons, and loyalty cards when you pay.

Highlights
  • Contactless smartphone payments
  • Send and receive money
  • Direct bank account debit
  • No cash or credit card needed
  • Benefit from discounts and offers
  • Store loyalty cards
Features
Read full description

Mit der kostenlosen BLKB TWINT App bezahlst du mit deinem Smartphone einfach und sicher an der Kasse im Supermarkt, im Online-Shop, beim Einkaufen im Hofladen oder am Automaten beim Parkieren. Zudem kannst du jederzeit Geld an Freunde senden oder von ihnen empfangen. Profitiere bei deinen Einkäufen durch Coupons oder Stempelkarten von attraktiven TWINT-Partnerangeboten. Wenn du deine Kundenkarten hinterlegst, kannst du beim Bezahlen mit TWINT auch dessen Vorteile nutzen. Alle Ein- und Ausgänge werden direkt deinem Konto belastet. Deine Vorteile: • Kontaktlos, einfach, sicher und bequem bezahlen • Jederzeit Geld senden, empfangen und anfordern • Belastungen der Transaktionen direkt auf dem Bankkonto • Kein Bargeld und keine Kreditkarte notwendig • Beim Bezahlen von Vorteilen und Rabatten profitieren • Kundenkarten hinterlegen Bei Fragen kannst du unser Kundencenter unter 061 925 90 99 anrufen. Weitere Informationen zur BLKB TWINT App findest du unter www.blkb.ch/twint

About

Cembra App

Manage your credit card accounts with ease. Check purchases, retrieve your card PIN, and suspend your card instantly. Access statements, track payments, and receive important notifications.

Highlights
  • Real-time purchase tracking
  • Card PIN retrieval
  • Credit card suspension
  • Add card to Apple Wallet
  • Manage push notifications
  • Access monthly statements
  • Secure login with biometrics
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

BLKB TWINT4 screens
Cembra App4 screens

Verdict

The call

The clearest difference is ads: Cembra App at none against BLKB TWINT's shown. Cembra App also leads on update cadence (every 3 weeks vs every 2 months) and monetization model (free vs ad-supported). BLKB TWINT's advantage is rating (4.8 vs 4.5). On price, in-app purchases, device support and iOS requirement 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

BLKB TWINT holds the better App Store score, 4.8 against 4.5. Both are backed by a comparable volume of ratings — 14 and 68 respectively.

UpkeepUpdate frequency

BLKB TWINT ships an update every 2 months, Cembra App every 3 weeks. Both last shipped on October 30, 2026.

Scorecard5 real differences · 5 level
BLKB TWINT versus Cembra App: the parameters behind the verdict, then further details
ParameterBLKB TWINTCembra App
PriceFreeFree
Rating4.8 (14 ratings) — better4.5 (68 ratings)
Positive reviews—41.7% of reviews
Number of ratings1468 — better
Update frequencyEvery 2 monthsEvery 3 weeks — better
AdsYesNo — better
In-app purchasesNoNo
MonetizationAd-supportedFree — better
DevicesiPhoneiPhone
Requires iOS16.016.0
Further details — not scored
Size58 MB321 MB
Age rating4+4+
DeveloperBLKBCembra Money Bank AG

Customer experience

BLKB TWINT

All ratings14 ratings
Positive92.9%
Neutral7.1%
Negative0.0%

Cembra App

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

In-app purchases

None

BLKB TWINT

No in-app purchases

None

Cembra App

No in-app purchases

Questions

Is BLKB TWINT free?
BLKB 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, BLKB TWINT or Cembra App?
BLKB TWINT is rated higher. BLKB TWINT averages 4.8 out of 5 from 14 ratings, while Cembra App averages 4.5 from 68 ratings.
Do BLKB TWINT or Cembra App have ads?
BLKB TWINT shows ads; Cembra App does not.
Which is updated more often, BLKB TWINT or Cembra App?
BLKB TWINT ships an update every 2 months, and Cembra App every 3 weeks. Most recently, BLKB TWINT was updated on October 30, 2026 and Cembra App on October 30, 2026.

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