Comparison

Commerzbank Banking vs HVB Mobile Banking

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

HVB Mobile Banking

Manage your banking needs conveniently and securely from anywhere. Features include a bill scanner for quick payments, mobile trading for investments, and a digital mailbox for important documents. Available for users aged 12 and up.

Highlights
  • Account balances and transactions
  • Bill scanner for quick transfers
  • Mobile trading and investment management
  • Digital mailbox
  • Mobile payments with Apple Pay
  • Financial manager
  • Secure login with biometrics
Features
Read full description

Mit der HVB Mobile Banking App erledigen Sie Ihre Bankgeschäfte einfach, schnell und sicher – egal ob zu Hause oder unterwegs. Entdecken Sie moderne Funktionen wie den Rechnungsscanner, mobiles Trading und Ihr digitales Postfach. Verfügbar bereits ab 12 Jahren!​ DAS ERWARTET SIE:​ Konten & Karten:​ - Kontostände & Umsätze auf einen Blick​ - Sekundenschnelles Überweisen per Rechnungsscanner​ - Zahlreiche Services wie z. B. Adressänderungen​ - Mobiles Bezahlen mit Apple Pay​ ​Wertpapiere:​ - Depots & Märkte jederzeit im Blick behalten​ - Wertpapiere kaufen/verkaufen, Investmentsparpläne verwalten​ - Virtuelle Depots & Watchlists nutzen​ ​ Mehr:​ - Digitales Postfach​ - Finanzmanager für Ihre persönliche Planung​ - Hauptfunktionen auch auf Englisch verfügbar​ - HVB KomfortKredite beantragen und einsehen​ - Immobiliendarlehen managen​ - Privatschutzversicherungen unseres Partners Allianz berechnen, abschließen und verwalten​ ​ Sicherheit:​ - Sicherer Login per Touch ID oder Face ID​ - Modernes appTAN-Verfahren – ohne Zusatzgerät​ - Salden ausblendbar für mehr Privatsphäre unterwegs​ - Tageslimit anpassen​ - Karten sperren / entsperren​ ​Kundenservice:​ - Eigener Hilfe & Servicebereich​ - HVB Live Chat​ - Termine vereinbaren​ ​ Fragen? Unser Onlineservice hilft Ihnen gerne!​ Mo – Fr: 8 – 20 Uhr, Sa: 8 – 14 Uhr ​ Telefon: 089 378 48888 ​

Screenshots

Commerzbank Banking4 screens
HVB Mobile Banking4 screens

Verdict

The call

The clearest difference is rating: Commerzbank Banking at 4.7 against HVB Mobile Banking's 4.3. Commerzbank Banking also leads on ratings volume (2.8K vs 644). HVB Mobile Banking's advantage is review sentiment (69% vs 53%) and iOS requirement (14.0 vs 17.0). On price, update cadence, 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

Commerzbank Banking holds the better App Store score, 4.7 against 4.3. Both are backed by a comparable volume of ratings — 2.8K and 644 respectively. Written reviews complicate that: 53% of Commerzbank Banking's written reviews are positive against 69% of HVB Mobile Banking'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, HVB Mobile Banking monthly. Both last shipped on October 24, 2026.

Scorecard4 real differences · 6 level
Commerzbank Banking versus HVB Mobile Banking: the parameters behind the verdict, then further details
ParameterCommerzbank BankingHVB Mobile Banking
PriceFreeFree
Rating4.7 (2.8K ratings) — better4.3 (644 ratings)
Positive reviews52.8% of reviews68.6% of reviews — better
Number of ratings2.8K — better644
Update frequencyEvery 3 weeks — betterMonthly
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhoneiPhone, iPod — better
Requires iOS17.014.0 — better
Further details — not scored
Size410 MB144 MB
Age rating4+4+
DeveloperCommerzbank AGUniCredit Bank GmbH

Customer experience

Commerzbank Banking

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

HVB Mobile Banking

All ratings641 ratings
Positive82.5%
Neutral5.5%
Negative12.0%
Written reviews118 reviews
Positive68.6%
Neutral6.8%
Negative24.6%

User reviews

Commerzbank Banking

From 2.8K App Store ratings

What we love

  • 🚀 Stable and reliable app
  • 👍 Intuitive and easy to use
  • 🌐 Supports English language
  • 💳 Useful banking features

Room to improve

  • 🐛 Bugs and crashes after updates
  • ⏱️ Slow transaction updates
  • 🔒 Inconvenient 2-factor authentication
  • 🇩🇪 Lack of full English support

HVB Mobile Banking

From 644 App Store ratings

What we love

  • 👍 Clear and intuitive user interface
  • 🚀 Fast and responsive performance
  • 📊 Comprehensive account overview and transaction history
  • 💳 Easy EU transfers and payments
  • 🎨 Clean, well-organized design

Room to improve

  • 🔐 Overly complicated security procedures
  • 😕 Unintuitive navigation and information architecture
  • ⏱️ Slow and cumbersome AppTAN approval process
  • 🌐 Limited English language support (mostly headings only)
  • 🔄 Frequent login failures and authentication issues

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

HVB Mobile Banking

Reported bugs

15 issues
  • App crashes on startup after updates
  • Face ID/biometric login disabled unexpectedly and frequently
  • AppTAN not delivered or displayed properly
  • Login hangs or fails intermittently
  • Credit card transaction access causes crashes and logouts
Show 10 more
  • Device swap requires complex AppTAN reactivation process
  • iOS version misidentification (iPhone 16 with iOS 18.5 recognized as iPhone 17.5)
  • SMS TAN delivery failures after device changes
  • AppTAN ID not appearing in app despite enrollment
  • Depot/portfolio data unavailable during maintenance without notice
  • Invoice scanner malfunction after updates
  • Scrolling in transaction lists causes jarring display jumps
  • Tutorial/tip screens reappear despite 'don't show again' selection
  • Server connection errors and timeouts
  • Logout process requires excessive attempts

Requested features

13 requests
  • Full English language translation (not just headings)
  • IBAN input accepting formatted IBANs with spaces
  • Landscape/horizontal view for account statements
  • Improved transaction search with date range input
  • Extended transaction history beyond 2 years
Show 8 more
  • Budget and expense tracking function
  • Feedback/bug report feature within app
  • Smoother scrolling in credit card transaction views
  • Persistent biometric login without frequent resets
  • One-click AppTAN confirmation (like push notification swipe)
  • Customizable account ordering and visibility
  • Simplified login terminology (standard 'Password' instead of 'HVB Direct Banking PIN')
  • Account statement export to PDF with landscape support

In-app purchases

None

Commerzbank Banking

No in-app purchases

None

HVB Mobile Banking

No in-app purchases

Questions

Is Commerzbank Banking free?
Commerzbank Banking is free to download, with no in-app purchases.
Is HVB Mobile Banking free?
HVB Mobile Banking is free to download, with no in-app purchases.
Which has better reviews, Commerzbank Banking or HVB Mobile Banking?
Commerzbank Banking is rated higher. Commerzbank Banking averages 4.7 out of 5 from 2.8K ratings, while HVB Mobile Banking averages 4.3 from 644 ratings.
Do Commerzbank Banking or HVB Mobile Banking have ads?
Neither Commerzbank Banking nor HVB Mobile Banking shows ads.
Which is updated more often, Commerzbank Banking or HVB Mobile Banking?
Commerzbank Banking ships an update every 3 weeks, and HVB Mobile Banking monthly. Most recently, Commerzbank Banking was updated on October 24, 2026 and HVB Mobile Banking on October 24, 2026.

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