Commerzbank Banking vs ElsterSecure
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".
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.
- Smartphone-based authentication
- Eliminates need for certificate files
- Simplifies tax account logins
- QR code scanning for setup
- Secure user account management
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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
Verdict
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
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 — 4.7 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.
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.
| Parameter | Commerzbank Banking | ElsterSecure |
|---|---|---|
| Price | Free | Free |
| Rating | 4.7 (2.8K ratings) — better | 4.7 (130 ratings) |
| Positive reviews | 52.8% of reviews | 84.0% of reviews — better |
| Number of ratings | 2.8K — better | 130 |
| Update frequency | Every 3 weeks — better | Every 4 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone | iPhone, iPad, iPod — better |
| Requires iOS | 17.0 | 15.0 — better |
| Further details — not scored | ||
| Size | 410 MB | 49 MB |
| Age rating | 4+ | 4+ |
| Developer | Commerzbank AG | Bayerisches Landesamt fuer Steuern |
Customer experience
Commerzbank Banking
ElsterSecure
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
Commerzbank Banking
No in-app purchases
ElsterSecure
No in-app purchases
Questions
Is Commerzbank Banking free?
Is ElsterSecure free?
Which has better reviews, Commerzbank Banking or ElsterSecure?
Do Commerzbank Banking or ElsterSecure have ads?
Which is updated more often, Commerzbank Banking or ElsterSecure?
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