Comparison

PostFinance App vs Swisscard

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

PostFinance App

Manage your banking, investments, and payments securely from your mobile device. Track spending, pay bills, and access investment products with ease. Offers features like QR-bill scanning, mobile payments, and digital voucher purchases.

Highlights
  • Account balance and transaction tracking
  • QR-bill scanning and eBill payments
  • Send money to mobile numbers
  • Investment product management
  • Digital voucher and prepaid credit purchases
  • Card limit adjustments and blocking
  • Push notifications for transactions
Features
Read full description

Keep your finances under control at all times with the PostFinance App Carry out your banking transactions easily and securely whether you’re at home or on the go. With the PostFinance App, you can keep track of your accounts, payments and investments. Access is quick and easy with Face ID or Touch ID. All you need to know about your account at a glance • Check your account balance, keep track of income and expenditure, and analyse what you spend your money on. • Scan or upload QR-bills, pay eBills directly in the app and send money easily to mobile numbers. • Documents can also be displayed and shared easily as PDFs. • Apple Pay and PostFinance Pay are available for convenient payment. Settings and support directly in the app • Adjust card limits, block or unblock your cards or order a replacement. • Set up push notifications for credits, debits or eBill. • You can also change your address or reset your password directly in the app. • If you have any questions, the PostFinance chatbot will be happy to help you at any time. Investing and retirement planning made easy • Track stock market prices, access your custody account and manage your investment products from digital asset management to fund self-service and e-trading. Digital vouchers and prepaid credit • Buy or gift vouchers for iTunes, PaysafeCard and many other providers or top up prepaid credit for your mobile phone. Security is top priority Your data is optimally protected using modern encryption methods. For even greater security, we recommend keep-ing the operating system and all apps up to date. The app can be set up so that you can log out quickly by shaking your smartphone. More information: https://www.postfinance.ch/en/support/security/e-finance-security.html General information on security • Keeping your data secure is our top priority. A multi-stage encryption and identification process ensures that only you have access to your accounts. • Apple Store must be preinstalled on your device. Manual installation of the Store and installation of the Post-Finance App via this channel or downloading the PostFinance App via a third-party provider are not permitted. • PostFinance observes the provisions of Swiss data protection legislation when collecting and processing personal data. In all areas of its online product range, comprehensive technical tools and organizational measures are used to protect against unauthorized access, manipulations and data loss. • If you lose your mobile phone and/or your SIM card or if there is reason to suspect misuse, please contact our Customer Center immediately on +41 58 448 14 14. Important information For regulatory reasons, the app does not support onboarding or sign-up to new products and services for people who are not domiciled in Switzerland. For customers living abroad, the app acts as a login mechanism for their existing relationship with PostFinance. More information: postfinance.ch/app

About

Swisscard

Manage your credit cards securely and conveniently on the go. Track spending, confirm online payments in real-time, and block/unblock cards instantly. Access PINs, order replacements, and update personal information with ease.

Highlights
  • Real-time online payment confirmation
  • Transaction push notifications
  • Card blocking and unblocking
  • Spending limit tracking
  • Monthly statement review
  • Transaction filtering
  • PIN code display/ordering
Features
Read full description

With the free Swisscard app, you have your cards under control at all times, even when you’re on the move. The advantages for you: Security thanks to the Swisscard app • Check and confirm online payments in real time. • Push notification for each transaction • Block and unblock cards at any time. Spending under control • You’ll always know how much money you have left to spend. • Check your monthly statement. • Filter transactions by amount, date or card. Everything to do with your card • Display a PIN code or order one by mail. • Order a replacement card in case of loss. • Manage notifications. • Change your address. The Swisscard app guides you through the registration process in just a few steps. Download the Swisscard app and register now. So you can always keep an eye on all your spending and cards. More information can be found in our help center: swisscard.ch/help Do you have any questions or suggestions for improvements? Contact our customer center on +41 44 659 61 84 or at swisscard.ch/en/contact

Screenshots

PostFinance App4 screens
Swisscard4 screens

Verdict

The call

The clearest difference is rating: Swisscard at 4.6 against PostFinance App's 4.0. Swisscard also leads on ratings volume (271 vs 7) and update cadence (fortnightly vs every 6 weeks). On price, ads, in-app purchases and monetization model 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

Swisscard holds the better App Store score, 4.6 against 4.0. That said, the two scores are not equally well evidenced: Swisscard has 271 ratings behind it against 7, so its average is the more settled of the two.

UpkeepUpdate frequency

PostFinance App ships an update every 6 weeks, Swisscard fortnightly. The most recent releases landed on September 19, 2026 and September 20, 2026 respectively.

Scorecard3 real differences · 7 level
PostFinance App versus Swisscard: the parameters behind the verdict, then further details
ParameterPostFinance AppSwisscard
PriceFreeFree
Rating4.0 (7 ratings)4.6 (271 ratings) — better
Positive reviews21.5% of reviews
Number of ratings7271 — better
Update frequencyEvery 6 weeksFortnightly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhoneiPhone
Requires iOS16.4 — better17.0
Further details — not scored
Size549 MB154 MB
Age rating4+4+
DeveloperDie Schweizerische PostSwisscard

Customer experience

PostFinance App

All ratings7 ratings
Positive71.4%
Neutral14.3%
Negative14.3%

Swisscard

All ratings271 ratings
Positive89.3%
Neutral2.2%
Negative8.5%
Written reviews93 reviews
Positive21.5%
Neutral7.5%
Negative71.0%

Bugs and requests

PostFinance App

Not enough reviews yet to summarise bugs or requests.

Swisscard

Reported bugs

71 issues
  • Card balance disappeared
  • Links to 'report a problem' do not work
  • Paperless statements deactivated after update
  • Not receiving payment approval notifications
  • App is full of errors and bugs
Show 66 more
  • App has daily problems
  • Latest version for iOS 16, incompatible with older versions
  • Cannot exit to read SMS code during iPhone registration
  • DSW shuts down when selecting 'a different one' for code verification
  • Cannot use password manager to register
  • Passwords cannot be copied
  • Show PIN code not working
  • App does not work well, needs modernization
  • App is un-user friendly and slow
  • Lack of download/export functionality
  • No way to fix expense limits
  • App crashes or freezes
  • SMS codes not received or delayed
  • TouchID/FaceID issues
  • Password reset not working
  • Web portal deactivated, app is replacement
  • No CSV/Excel export
  • App not working on iPad
  • No computer access
  • PDF only, no data processing
  • Customer service unresponsive
  • App is a step backwards
  • No transaction data access
  • Unfinished product launched
  • Cannot register card
  • No expense tracker
  • No foreign currency conversion rate shown
  • Useless app, unknown error on login
  • Screen formatting makes data unreadable
  • Registration failed with incorrect details
  • No access to cards, statements, or balance payment
  • Reduced functionality after update
  • No categories for spending tracking
  • Start page doesn't automatically apply Touch ID
  • Expense assistant removed
  • Junk app, does not open
  • Stuck when switching to messages for SMS code
  • Payments not shown until debited
  • Error 404
  • Balance does not update
  • Design and function weak
  • Barebones app
  • Unstable, loses login details
  • TouchID login crashes since iOS 13
  • Unstructured and unclear design
  • Server errors during registration
  • Main features removed
  • No real-time updates
  • Transactions delayed
  • Cannot see open amounts for current period
  • No save/print/forward function
  • Server error on login
  • App complains iPhone is jailbroken
  • Transactions take days to show up
  • Data not updated frequently enough
  • Unspecified error after update, cannot login
  • Information outdated
  • No SMS/notification for instant transactions
  • Credit card month view missing
  • No logic in destroying working features
  • Returns years back, loses real-time data
  • Cannot see current period open amounts
  • Primitive app, not real-time
  • Unusable, PIN error
  • Lacks basic functionality (paid currency, exchange rate)
  • Not worth downloading

Requested features

54 requests
  • Add ability to fix expense limits
  • Provide better protection with insurance for users of expense limits
  • Reinstate previous app version for older iOS
  • Add print or download functionality for all purchase details
  • Implement a normal calendar view for expenses
Show 49 more
  • Provide option to export data in OFX format
  • Add SMS/notification for transactions made instantly
  • Add credit card month view
  • Option to print
  • Real-time transaction notifications
  • Add expense tracker and restore lost data
  • Restore expense assistant feature
  • Add SMS/notification for transactions made instantly
  • Add credit card month view
  • Option to print
  • Real-time transaction notifications
  • Add expense tracker and restore lost data
  • Restore expense assistant feature
  • Dark mode option
  • Advanced analytics dashboard
  • CSV export functionality
  • iPad version
  • Computer access
  • Real-time updates
  • Ability to see open amounts for current period
  • Save/print/forward function
  • Ability to see paid currency and exchange rate
  • More features
  • Instant transaction notifications
  • Calendar view for expenses
  • Export data in CSV or OFX format
  • Desktop version
  • Ability to set spending limits
  • Option to print transaction details
  • Restore expense tracker functionality
  • Add expense categories
  • Automatic Touch ID application on start page
  • Restore expense assistant
  • Real-time transaction display
  • Ability to see open amounts for current period
  • Save/print/forward function
  • Ability to see paid currency and exchange rate
  • More features
  • Instant transaction notifications
  • Calendar view for expenses
  • Export data in CSV or OFX format
  • Desktop version
  • Ability to set spending limits
  • Option to print transaction details
  • Restore expense tracker functionality
  • Add expense categories
  • Automatic Touch ID application on start page
  • Restore expense assistant
  • Real-time transaction display

In-app purchases

None

PostFinance App

No in-app purchases

None

Swisscard

No in-app purchases

Questions

Is PostFinance App free?
PostFinance App is free to download, with no in-app purchases.
Is Swisscard free?
Swisscard is free to download, with no in-app purchases.
Which has better reviews, PostFinance App or Swisscard?
Swisscard is rated higher. PostFinance App averages 4.0 out of 5 from 7 ratings, while Swisscard averages 4.6 from 271 ratings.
Do PostFinance App or Swisscard have ads?
Neither PostFinance App nor Swisscard shows ads.
Which is updated more often, PostFinance App or Swisscard?
PostFinance App ships an update every 6 weeks, and Swisscard fortnightly. Most recently, PostFinance App was updated on September 19, 2026 and Swisscard on September 20, 2026.

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