# Raiffeisen E vs Cembra App

The clearest difference is update cadence: Cembra App at every 3 weeks against Raiffeisen E's every 3 months. Cembra App also leads on iOS requirement (16.0 vs 18.0). Raiffeisen E's advantage is monetization model (free vs ad-supported) and review sentiment (50% vs 42%). On price, rating, ratings volume and ads there is nothing between them.

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 — 4.6 for Raiffeisen E against 4.5 for Cembra App. Both are backed by a comparable volume of ratings — 172 and 68 respectively. Written reviews are what separate them: 50% of Raiffeisen E's written reviews are positive against 42% of Cembra App's.

Raiffeisen E ships an update every 3 months, Cembra App every 3 weeks. The most recent releases landed on October 29, 2026 and October 30, 2026 respectively.

## The numbers

| Metric | Raiffeisen E | Cembra App |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.6 (172 ratings)](https://appshunter.io/ios/app/raiffeisen-e-banking/id371762633/reviews)** | [4.5 (68 ratings)](https://appshunter.io/ios/app/cembra-app/id1592458781/reviews) |
| Number of ratings | **172** | 68 |
| Positive reviews | **50.0% of reviews** | 41.7% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 3 weeks** |
| Monetization | **Free** | Ad-supported |
| Size | 26 MB | 321 MB |
| Requires iOS | 18.0 | **16.0** |
| Devices | **iPhone, iPad** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Raiffeisen Schweiz Genossenschaft](https://appshunter.io/developer/371762636) | [Cembra Money Bank AG](https://appshunter.io/developer/1441135426) |

## What reviewers say

### Raiffeisen E

[App page](https://appshunter.io/ios/app/raiffeisen-e-banking/id371762633)

Manage your finances on the go with this mobile banking application. Check your account balance, execute stock trades, and scan and pay bills directly from your smartphone or tablet. Access all your e-banking functions anytime, anywhere.

**Highlights:** Check account balance, Execute stock trades, Scan and pay bills, Access e-banking functions, Mobile banking on smartphone/tablet

**In-app purchases:** none


### Cembra App

[App page](https://appshunter.io/ios/app/cembra-app/id1592458781)

Manage your credit card details, view purchases in real-time, and retrieve your card PIN. Easily suspend your credit card and access monthly statements. Secure login with fingerprint or facial recognition.

**Highlights:** Real-time purchase tracking, Card PIN retrieval, Credit card suspension, Add card to Apple Wallet, Track credit card payments, Access monthly statements, Secure Touch ID/Face ID login

**Features:** Apple Wallet, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Raiffeisen E free?

Raiffeisen E is free to download, with no in-app purchases.

### Is Cembra App free?

Cembra App is free to download, with no in-app purchases.

### Which has better reviews, Raiffeisen E or Cembra App?

Raiffeisen E is rated higher. Raiffeisen E averages 4.6 out of 5 from 172 ratings, while Cembra App averages 4.5 from 68 ratings.

### Do Raiffeisen E or Cembra App have ads?

Neither Raiffeisen E nor Cembra App shows ads.

### Which is updated more often, Raiffeisen E or Cembra App?

Raiffeisen E ships an update every 3 months, and Cembra App every 3 weeks. Most recently, Raiffeisen E was updated on October 29, 2026 and Cembra App on October 30, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*