Comparison

Commerzbank Banking vs FNZsecure

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

Head to head
About

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.

Highlights
  • 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
Features
Read full description

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".

About

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.

Highlights
  • Online banking security factor
  • Identity confirmation
  • Transaction authorization
  • Password login
  • Fingerprint recognition
  • Facial recognition
Features
Read full description

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

Commerzbank Banking4 screens
FNZsecure4 screens

Verdict

The call

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

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

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.

UpkeepUpdate frequency

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.

Scorecard4 real differences · 6 level
Commerzbank Banking versus FNZsecure: the parameters behind the verdict, then further details
ParameterCommerzbank BankingFNZsecure
PriceFreeFree
Rating4.7 (2.8K ratings)5.0 (5 ratings) — better
Positive reviews52.8% of reviews — better18.5% of reviews
Number of ratings2.8K — better5
Update frequencyEvery 3 weeks — betterEvery 8 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhoneiPhone, iPad — better
Requires iOS17.016.0 — better
Further details — not scored
Size410 MB2 MB
Age rating4+4+
DeveloperCommerzbank AGEuropean Bank for Financial Services GmbH (ebase)

Customer experience

Commerzbank Banking

All ratings2,831 ratings
Positive93.7%
Neutral2.3%
Negative4.0%
Written reviews375 reviews
Positive52.8%
Neutral9.6%
Negative37.6%

FNZsecure

All ratings5 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews27 reviews
Positive18.5%
Neutral0.0%
Negative81.5%

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

None

Commerzbank Banking

No in-app purchases

None

FNZsecure

No in-app purchases

Questions

Is Commerzbank Banking free?
Commerzbank Banking is free to download, with no in-app purchases.
Is FNZsecure free?
FNZsecure is free to download, with no in-app purchases.
Which has better reviews, Commerzbank Banking or FNZsecure?
FNZsecure is rated higher. Commerzbank Banking averages 4.7 out of 5 from 2.8K ratings, while FNZsecure averages 5.0 from 5 ratings.
Do Commerzbank Banking or FNZsecure have ads?
Neither Commerzbank Banking nor FNZsecure shows ads.
Which is updated more often, Commerzbank Banking or FNZsecure?
Commerzbank Banking ships an update every 3 weeks, and FNZsecure every 8 months. Most recently, Commerzbank Banking was updated on November 1, 2026 and FNZsecure on November 3, 2026.

Other comparisons