Comparison

Commerzbank Banking vs HKCM

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

HKCM

Gain an edge in your investments with detailed chart analyses for stocks, cryptocurrencies, and commodities. The app provides precise entry points and target zones across over 190 markets to simplify your trading decisions.

Highlights
  • 190+ market chart analyses
  • Stock, crypto, and commodity analyses
  • Precise entry points and target zones
  • Portfolio management
  • Real-time news updates
  • Daily news bulletins
Features
Read full description

Maximize your investments with our chart analyses. Whether you're investing in stocks, cryptocurrencies, commodities, or other financial instruments, our app keeps you two steps ahead of the market! We define clear entry points and target zones to make your trading decisions easier. In total, we offer analyses on over 190 markets. What to expect: Stock Analyses - Tech Stocks: Nvidia, Apple, and more. - US Stocks: BlackRock, Nike, and more. - China Stocks: Alibaba, BYD, and more. - Cannabis Stocks: SynBiotic, Canopy Growth, and more. Crypto Analyses - Bitcoin (BTC) - Ethereum (ETH) - Solana (SOL) - Cardano (ADA) - Ripple (XRP) + 14 other altcoins. Commodities - Gold analysis - Silver analysis - Oil market analysis - Natural gas analysis You’ll also receive analyses on the world’s largest indices (DAX, S&P 500, Nasdaq, ...), various industrial metals, and four agricultural commodities. Features of the HKCM App: - Daily stock analyses - Daily crypto analyses - Professional portfolio management - Precise entry points and target zones - Target zone tracking - Real-time news updates - Daily news bulletins … and much more Hopf-Klinkmüller Capital Management GmbH & Co. KG Hasenbergsteige 5 70178 Stuttgart Please note: The app content is currently only available in German.

Screenshots

Commerzbank Banking4 screens
HKCM4 screens

Verdict

The call

The clearest difference is ratings volume: Commerzbank Banking at 2.8K against HKCM's 2. Commerzbank Banking also leads on monetization model (free vs ad-supported). HKCM's advantage is review sentiment (75% vs 53%) and rating (5.0 vs 4.7). On price, 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

HKCM 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 2, so its average is the more settled of the two. Written reviews point the same way: 53% of Commerzbank Banking's written reviews are positive against 75% of HKCM's.

UpkeepUpdate frequency

Commerzbank Banking ships an update every 3 weeks, HKCM weekly. The most recent releases landed on October 20, 2026 and October 14, 2026 respectively.

Scorecard7 real differences · 3 level
Commerzbank Banking versus HKCM: the parameters behind the verdict, then further details
ParameterCommerzbank BankingHKCM
PriceFreeFree
Rating4.7 (2.8K ratings)5.0 (2 ratings) — better
Positive reviews52.8% of reviews74.5% of reviews — better
Number of ratings2.8K — better2
Update frequencyEvery 3 weeksWeekly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree — betterAd-supported
DevicesiPhoneiPhone, iPad, iPod — better
Requires iOS17.015.0 — better
Further details — not scored
Size407 MB79 MB
Age rating4+17+
DeveloperCommerzbank AGHopf-Klinkmüller Capital Management GmbH & Co. KG

Customer experience

Commerzbank Banking

All ratings2,800 ratings
Positive93.7%
Neutral2.4%
Negative4.0%
Written reviews375 reviews
Positive52.8%
Neutral9.6%
Negative37.6%

HKCM

All ratings2 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews51 reviews
Positive74.5%
Neutral11.8%
Negative13.7%

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

HKCM

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Commerzbank Banking

No in-app purchases

None

HKCM

No in-app purchases

Questions

Is Commerzbank Banking free?
Commerzbank Banking is free to download, with no in-app purchases.
Is HKCM free?
HKCM is free to download, with no in-app purchases.
Which has better reviews, Commerzbank Banking or HKCM?
HKCM is rated higher. Commerzbank Banking averages 4.7 out of 5 from 2.8K ratings, while HKCM averages 5.0 from 2 ratings.
Do Commerzbank Banking or HKCM have ads?
Neither Commerzbank Banking nor HKCM shows ads.
Which is updated more often, Commerzbank Banking or HKCM?
Commerzbank Banking ships an update every 3 weeks, and HKCM weekly. Most recently, Commerzbank Banking was updated on October 20, 2026 and HKCM on October 14, 2026.

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