Comparison

Commerzbank Banking vs ElsterSecure

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

ElsterSecure

This app simplifies logging into your tax account by using your smartphone for authentication. Once set up, you won't need certificate files or usernames for access. It's designed for secure and convenient tax-related logins.

Highlights
  • Smartphone-based authentication
  • Eliminates need for certificate files
  • Simplifies tax account logins
  • QR code scanning for setup
  • Secure user account management
Features
Read full description

ElsterSecure ist die neue Authentisierungs-App von ELSTER. Einmal eingerichtet, benötigen Sie für Ihren Login nur noch Ihr Smartphone. Eine Zertifikatsdatei oder einen Nutzernamen benötigen Sie nach erstmaliger Einrichtung nicht mehr. So richten Sie ElsterSecure ein: 1. Loggen Sie sich wie bisher gewohnt in MeinElster ein. 2. Gehen Sie zu "Mein Benutzerkonto" > "ElsterSecure": https://www.elster.de/eportal/meinKonto/elstersecure 3. Unter "Login-Option ElsterSecure hinzufügen" können Sie die App mit Ihrem MeinElster-Konto verknüpfen Wenn Sie noch kein MeinElster Konto besitzen, können Sie sich unter www.elster.de registrieren und ElsterSecure als Login-Option wählen. Derzeit ist eine Authentisierung mittels ElsterSecure nur für den Login in MeinElster möglich. Eine Übermittlung durch Drittanbieter von Steuersoftware wird noch nicht unterstützt, hierfür benötigen Sie weiterhin ein Zertifikat. ElsterSecure benötigt folgende Berechtigungen: - Zugriff auf die Kamera(s) des Geräts: Diese Berechtigung wird für das Scannen des QR-Codes benötigt. Datenschutzhinweis: https://www.elster.de/eportal/infoseite/elstersecure

Screenshots

Commerzbank Banking4 screens
ElsterSecure4 screens

Verdict

The call

Commerzbank Banking and ElsterSecure both sit at 4.7 stars, but that hides the real split: 84% of ElsterSecure's written reviews are positive against 53% of Commerzbank Banking's. ElsterSecure also leads on device support (3 vs 1) and iOS requirement (15.0 vs 17.0). Commerzbank Banking's advantage is update cadence (every 3 weeks vs every 4 months) and ratings volume (2.8K vs 130). On price, rating, ads and in-app purchases 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

On the App Store both sit at effectively the same score — 4.7 for Commerzbank Banking against 4.7 for ElsterSecure. That said, the two scores are not equally well evidenced: Commerzbank Banking has 2.8K ratings behind it against 130, so its average is the more settled of the two. Written reviews are what separate them: 53% of Commerzbank Banking's written reviews are positive against 84% of ElsterSecure's.

UpkeepUpdate frequency

Commerzbank Banking ships an update every 3 weeks, ElsterSecure every 4 months. The most recent releases landed on November 1, 2026 and November 3, 2026 respectively.

Scorecard5 real differences · 5 level
Commerzbank Banking versus ElsterSecure: the parameters behind the verdict, then further details
ParameterCommerzbank BankingElsterSecure
PriceFreeFree
Rating4.7 (2.8K ratings) — better4.7 (130 ratings)
Positive reviews52.8% of reviews84.0% of reviews — better
Number of ratings2.8K — better130
Update frequencyEvery 3 weeks — betterEvery 4 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhoneiPhone, iPad, iPod — better
Requires iOS17.015.0 — better
Further details — not scored
Size410 MB49 MB
Age rating4+4+
DeveloperCommerzbank AGBayerisches Landesamt fuer Steuern

Customer experience

Commerzbank Banking

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

ElsterSecure

All ratings89 ratings
Positive92.1%
Neutral2.2%
Negative5.6%
Written reviews25 reviews
Positive84.0%
Neutral8.0%
Negative8.0%

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

ElsterSecure

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Commerzbank Banking

No in-app purchases

None

ElsterSecure

No in-app purchases

Questions

Is Commerzbank Banking free?
Commerzbank Banking is free to download, with no in-app purchases.
Is ElsterSecure free?
ElsterSecure is free to download, with no in-app purchases.
Which has better reviews, Commerzbank Banking or ElsterSecure?
Commerzbank Banking is rated higher. Commerzbank Banking averages 4.7 out of 5 from 2.8K ratings, while ElsterSecure averages 4.7 from 130 ratings.
Do Commerzbank Banking or ElsterSecure have ads?
Neither Commerzbank Banking nor ElsterSecure shows ads.
Which is updated more often, Commerzbank Banking or ElsterSecure?
Commerzbank Banking ships an update every 3 weeks, and ElsterSecure every 4 months. Most recently, Commerzbank Banking was updated on November 1, 2026 and ElsterSecure on November 3, 2026.

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