# Cembra App vs ZugerKB Banking

The clearest difference is update cadence: Cembra App at every 3 weeks against ZugerKB Banking's every 3 months. Cembra App also leads on ratings volume (68 vs 5). On price, rating, 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.

On the App Store both sit at effectively the same score — 4.5 for Cembra App against 4.6 for ZugerKB Banking. That said, the two scores are not equally well evidenced: Cembra App has 68 ratings behind it against 5, so its average is the more settled of the two.

Cembra App ships an update every 3 weeks, ZugerKB Banking every 3 months. The most recent releases landed on November 11, 2026 and October 30, 2026 respectively.

## The numbers

| Metric | Cembra App | ZugerKB Banking |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.5 (68 ratings)](https://appshunter.io/ios/app/cembra-app/id1592458781/reviews) | **[4.6 (5 ratings)](https://appshunter.io/ios/app/zugerkb-banking/id6745021837/reviews)** |
| Number of ratings | **68** | 5 |
| Positive reviews | 41.7% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 3 weeks** | Every 3 months |
| Monetization | Free | Free |
| Size | 322 MB | 74 MB |
| Requires iOS | **16.0** | 17.0 |
| Devices | iPhone | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Cembra Money Bank AG](https://appshunter.io/developer/1441135426) | [Zuger Kantonalbank](https://appshunter.io/developer/968381680) |

## What reviewers say

### Cembra App

[App page](https://appshunter.io/ios/app/cembra-app/id1592458781)

Manage your credit card accounts with ease. Check purchases, retrieve your PIN, suspend your card, and access statements all in one place. Secure login options like Touch ID and Face ID are available.

**Highlights:** Real-time purchase tracking, Card PIN retrieval, Credit card suspension, Add card to Apple Wallet, View monthly statements, Secure Touch ID/Face ID login

**Features:** Apple Wallet, Vision Pro support

**In-app purchases:** none


### ZugerKB Banking

[App page](https://appshunter.io/ios/app/zugerkb-banking/id6745021837)

Manage your finances securely and conveniently from your smartphone. Check balances, make payments, trade securities, and communicate with your advisor. Access digital bank documents and customize your banking experience.

**Highlights:** Financial overview and quick access, Scan and pay QR invoices, Trade securities on the go, Secure advisor communication, Digital bank documents, Customizable app interface

**In-app purchases:** none


## Frequently asked questions

### Is Cembra App free?

Cembra App is free to download, with no in-app purchases.

### Is ZugerKB Banking free?

ZugerKB Banking is free to download, with no in-app purchases.

### Which has better reviews, Cembra App or ZugerKB Banking?

ZugerKB Banking is rated higher. Cembra App averages 4.5 out of 5 from 68 ratings, while ZugerKB Banking averages 4.6 from 5 ratings.

### Do Cembra App or ZugerKB Banking have ads?

Neither Cembra App nor ZugerKB Banking shows ads.

### Which is updated more often, Cembra App or ZugerKB Banking?

Cembra App ships an update every 3 weeks, and ZugerKB Banking every 3 months. Most recently, Cembra App was updated on November 11, 2026 and ZugerKB Banking on October 30, 2026.

---

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