Comparison

PostFinance App vs Cembra App

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

Cembra App

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
Read full description

"Cembra App: It couldn't be simpler" From now on you can, among other things, check your purchases in real time, retrieve your card PIN and suspend your credit card yourself. "Who is the Cembra app for?" The Cembra app is ideal for all Cembra customers. If you haven't registered to use the app yet, you can easily do this here: https://apps.cembra.ch/cmf/en/#apply Once you have received your access code from us by mail, you can set up the Cembra app yourself with just a few simple steps. "These are the features you've been waiting for" * Find all important information about your Cembra credit card(s) in one overview. * Put your credit card/s into the Apple Wallet * Keep track of your current credit card payments * Manage and receive important push notifications * Access your monthly statements * Customize your personal data directly in the Cembra app * Log in easily and securely using Touch ID (fingerprint) or Face ID (facial recognition). We are working on new features and services all the time. We also look forward to receiving your suggestions and feedback. Do you have a technical issue with the Cembra App? Then you’re in the right place: cmfsupport[at]cembra.ch. For any questions about your account, please visit our Customer Center. (https://www.cembra.ch/en/customer-center/contact-via-e-mail/) at cembra.ch.

Screenshots

PostFinance App4 screens
Cembra App4 screens

Verdict

The call

The clearest difference is rating: Cembra App at 4.5 against PostFinance App's 4.0. Cembra App also leads on ratings volume (66 vs 7) and update cadence (every 3 weeks vs every 6 weeks). PostFinance App's advantage is monetization model (free vs ad-supported). On price, ads, in-app purchases and device support 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

Cembra App holds the better App Store score, 4.5 against 4.0. That said, the two scores are not equally well evidenced: Cembra App has 66 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, Cembra App every 3 weeks. The most recent releases landed on September 19, 2026 and September 10, 2026 respectively.

Scorecard4 real differences · 6 level
PostFinance App versus Cembra App: the parameters behind the verdict, then further details
ParameterPostFinance AppCembra App
PriceFreeFree
Rating4.0 (7 ratings)4.5 (66 ratings) — better
Positive reviews41.7% of reviews
Number of ratings766 — better
Update frequencyEvery 6 weeksEvery 3 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree — betterAd-supported
DevicesiPhoneiPhone
Requires iOS16.416.0 — better
Further details — not scored
Size549 MB310 MB
Age rating4+4+
DeveloperDie Schweizerische PostCembra Money Bank AG

Customer experience

PostFinance App

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

Cembra App

All ratings66 ratings
Positive89.4%
Neutral1.5%
Negative9.1%
Written reviews12 reviews
Positive41.7%
Neutral0.0%
Negative58.3%

In-app purchases

None

PostFinance App

No in-app purchases

None

Cembra App

No in-app purchases

Questions

Is PostFinance App free?
PostFinance App 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, PostFinance App or Cembra App?
Cembra App is rated higher. PostFinance App averages 4.0 out of 5 from 7 ratings, while Cembra App averages 4.5 from 66 ratings.
Do PostFinance App or Cembra App have ads?
Neither PostFinance App nor Cembra App shows ads.
Which is updated more often, PostFinance App or Cembra App?
PostFinance App ships an update every 6 weeks, and Cembra App every 3 weeks. Most recently, PostFinance App was updated on September 19, 2026 and Cembra App on September 10, 2026.

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