Commerzbank Banking vs FNZsecure
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Commerzbank Banking
Manage your finances conveniently and securely from anywhere. This app offers quick access to account balances, transaction history, and card management. It also facilitates faster transfers and provides real-time account alerts for peace of mind.
- Financial overview
- Quick login (biometric)
- Card management (PIN change, block)
- Faster transfers (photoTAN, Instant Payment)
- Standing orders management
- Real-time account alarms
- ATM and branch finder
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All the advantages of modern mobile banking with the security of a major German bank. Banking is quick and easy with the Commerzbank App, whenever you want and wherever you are. Your bank is always with you. FUNCTIONS • Financial overview: all account balances and transactions at a glance • Quick login: by fingerprint or facial recognition (Touch ID/ Face ID) • Card management: easily change your PIN or block your card in an emergency • Faster transfer: speedy and safe with photoTAN and Instant Payment as well as photo transfers with QR Codes, remittance slips and invoice scan • Standing orders: view, change, create or delete • Account alarm: push notifications about account movements, in real time, to your mobile • Finder: find nearby ATMs and Commerzbank branches • Many more practical functions SECURITY • Biometric login: Login secure and in seconds with Touch ID or Face ID • Security guarantee: financial losses not caused by negligence will be fully reimbursed • photoTAN: innovative security method for secure transfers • Apple Pay: encrypted transactions without sharing card details or PINs FEEDBACK Do you have a great idea for our banking app? Do you have a question? Simply use the feedback function in the app or send an e-mail to: directbanking@commerzbank.com PREREQUISITES • Camera: for photo transfers to read invoices, remittance slips or QR codes • Microphone: to use call from-within-the-app function • Location approval: to search for ATMs and branches • Contacts: to send money to your contacts • Network: the app requires an internet connection to the bank. To check the connection, we need the right to view the network status. • Hard-/software checks of your device: At runtime, we check known, security-relevant attack vectors (e.g. rooted/jailbreak, malicious apps, etc.) • faceID usage: to make easier login for the customers NOTE With iOS, rights are always assigned in groups. So, we need to request permissions for all topics, even if we only need one permission from the group. We use these rights only for the purposes mentioned here, within the app, and do not access your personal data. A detailed explanation can be found further down in the App Store, at the link "Privacy Policy".
FNZsecure
This app serves as a security factor for online banking, allowing users to confirm their identity. It enables convenient, fast, and secure authorization of logins and transactions from anywhere using passwords, fingerprint, or facial recognition.
- Online banking security factor
- Identity confirmation
- Transaction authorization
- Password login
- Fingerprint recognition
- Facial recognition
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FNZsecure ist eine kostenlose App, die Kunden von FNZ beim Online-Banking als Sicherheitsfaktor zur Bestätigung ihrer Identität nutzen können. Mit FNZsecure geben Sie Ihren Login und Ihre Aufträge bequem, schnell und sicher von überall frei. Ganz einfach per Passwort sowie – je nach Endgerät – per Fingerabdruck und Gesichtserkennung. 3 Schritte zur Nutzung von FNZsecure: (1) App aus dem App Store herunterladen (2) Freigabe-Passwort für FNZsecure in der App vergeben und optional Biometrie (Fingerabdruck / Gesichtserkennung) aktivieren (3) FNZsecure im Online-Portal hinzufügen und aktivieren
Screenshots
Verdict
The clearest difference is review sentiment: Commerzbank Banking at 53% against FNZsecure's 19%. Commerzbank Banking also leads on update cadence (every 3 weeks vs every 8 months) and ratings volume (2.8K vs 5). FNZsecure's advantage is rating (5.0 vs 4.7). On price, ads, in-app purchases and monetization model 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
FNZsecure holds the better App Store score, 5.0 against 4.7. That said, the two scores are not equally well evidenced: Commerzbank Banking has 2.8K ratings behind it against 5, so its average is the more settled of the two. Written reviews complicate that: 53% of Commerzbank Banking's written reviews are positive against 19% of FNZsecure's, so the app with the better star average is not the one people write more warmly about.
Commerzbank Banking ships an update every 3 weeks, FNZsecure every 8 months. The most recent releases landed on November 1, 2026 and November 3, 2026 respectively.
| Parameter | Commerzbank Banking | FNZsecure |
|---|---|---|
| Price | Free | Free |
| Rating | 4.7 (2.8K ratings) | 5.0 (5 ratings) — better |
| Positive reviews | 52.8% of reviews — better | 18.5% of reviews |
| Number of ratings | 2.8K — better | 5 |
| Update frequency | Every 3 weeks — better | Every 8 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone | iPhone, iPad — better |
| Requires iOS | 17.0 | 16.0 — better |
| Further details — not scored | ||
| Size | 410 MB | 2 MB |
| Age rating | 4+ | 4+ |
| Developer | Commerzbank AG | European Bank for Financial Services GmbH (ebase) |
Customer experience
Commerzbank Banking
FNZsecure
Bugs and requests
Commerzbank Banking
Reported bugs
4 issues- App freezes or crashes after updates
- Face ID/fingerprint login not working
- Inconsistent transaction reporting
- Inability to change credit card limits
Requested features
4 requests- Improve transaction history and balance display
- Add more language options beyond German and English
- Streamline authentication process
- Integrate stock trading functionality
FNZsecure
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Commerzbank Banking
No in-app purchases
FNZsecure
No in-app purchases
Questions
Is Commerzbank Banking free?
Is FNZsecure free?
Which has better reviews, Commerzbank Banking or FNZsecure?
Do Commerzbank Banking or FNZsecure have ads?
Which is updated more often, Commerzbank Banking or FNZsecure?
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