Commerzbank Banking vs HKCM
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".
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.
- 190+ market chart analyses
- Stock, crypto, and commodity analyses
- Precise entry points and target zones
- Portfolio management
- Real-time news updates
- Daily news bulletins
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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
Verdict
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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
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.
Commerzbank Banking ships an update every 3 weeks, HKCM weekly. The most recent releases landed on October 20, 2026 and October 14, 2026 respectively.
| Parameter | Commerzbank Banking | HKCM |
|---|---|---|
| Price | Free | Free |
| Rating | 4.7 (2.8K ratings) | 5.0 (2 ratings) — better |
| Positive reviews | 52.8% of reviews | 74.5% of reviews — better |
| Number of ratings | 2.8K — better | 2 |
| Update frequency | Every 3 weeks | Weekly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free — better | Ad-supported |
| Devices | iPhone | iPhone, iPad, iPod — better |
| Requires iOS | 17.0 | 15.0 — better |
| Further details — not scored | ||
| Size | 407 MB | 79 MB |
| Age rating | 4+ | 17+ |
| Developer | Commerzbank AG | Hopf-Klinkmüller Capital Management GmbH & Co. KG |
Customer experience
Commerzbank Banking
HKCM
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
Commerzbank Banking
No in-app purchases
HKCM
No in-app purchases









