Comparison

UBS & UBS key4 vs SECANDA

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

Head to head
About

UBS & UBS key4

This mobile banking app offers digital services for existing UBS clients outside the US and Australia. It provides secure account management, bill payments, and transaction monitoring with AI-powered fraud detection. Swiss residents can open accounts directly through the app.

Highlights
  • Digital banking services
  • Secure account management
  • Bill payments
  • Transaction monitoring
  • AI-powered fraud detection
  • Account opening (Switzerland)
Features
Read full description

This is the UBS Mobile Banking App for all our UBS clients (excl. the United States and Australia) who can benefit from these digital services. Please note, that the available functionalities of our app may vary depending on your domicile. If you live in Switzerland, you can open a private or business account directly via the app. Do you meet the requirements to use our Mobile Banking App? •  You are client of a UBS Group company and benefit from UBS’s corresponding digital services. How secure is our Mobile Banking App? In short, UBS Mobile Banking provides state-of-the-art security. How? Our security concept protects you fourfold. We uniquely identify you with the Access App or Access Card. By defining security settings and activating real-time notifications, you can increase security even more. Furthermore, we use artificial intelligence to check certain transactions for irregularities. And we help you use the internet safely – see our security recommendations on ubs.com/security. Further information: UBS Switzerland AG and other non-US subsidiaries of UBS Group AG have made the UBS Mobile Banking App ("App") available exclusively to existing clients that benefit from these services with the exception of US and Australian clients. The fact that the App can be downloaded from the US or Australia and/or any other country’s App Store does not constitute a solicitation, offer or recommendation to enter into a transaction, nor is it to be understood as a solicitation or offer for a client relationship between the person downloading the App and UBS Switzerland AG or other non-US subsidiaries of UBS Group AG.

About

SECANDA

Manage your digital identity and payments securely with this all-in-one wallet. Instantly check balances, transfer funds, and track expenses on the go, all while enjoying robust data protection and easy top-ups from various payment methods.

Highlights
  • Digital identity management
  • Contactless payments
  • Real-time fund transfers
  • Expense tracking
  • Easy top-ups
  • Family spending control
  • Enhanced security
Features
Read full description

SECANDA – Your All-in-One Digital ID & Wallet Simplify your life with SECANDA! Our secure, user-friendly app is designed to handle all your digital identification and payment needs with just one tap. Instantly check balances, transfer funds, and manage finances on the go—while enjoying total peace of mind. MAIN FEATURES - SECANDA ID: Protect your digital identity with secure access and robust authentication. - SECANDA PAY: Pay anytime, anywhere with lightning-fast transactions—no hassle, no stress. - Easy Top-Ups: Add funds from multiple payment methods (Visa, Mastercard, Twint, and more) anytime. - Real-Time Transfers: Send and receive money in seconds via email or QR code, perfect for friends and family. - Expense Tracking: Stay on top of your finances with clear insights and transaction overviews. - Quick Onboarding: Set up your account in minutes for seamless, immediate access to all features. - Reclaim Funds Anytime: Withdraw or retrieve your money easily whenever you need it. - Family Control: Manage and monitor your children’s spending, ensuring their funds are always safe. - Enhanced Security: Benefit from industry-leading encryption and robust data protection at every tap. ABOUT US For more than 30 years, SECANDA has specialized in cutting-edge RFID technology, delivering innovative identification and payment solutions across diverse sectors—industry, education, and healthcare. From secure ID management and contactless payments to advanced access control, our mission is to simplify your everyday tasks while maintaining the highest levels of security and reliability. Experience the future of digital identification and secure payments—download the SECANDA App today!

Screenshots

UBS & UBS key44 screens
SECANDA4 screens

Verdict

The call

The clearest difference is ratings volume: UBS & UBS key4 at 2.3K against SECANDA's 52. UBS & UBS key4 also leads on review sentiment (50% vs 40%). SECANDA's advantage is iOS requirement (15.1 vs 18.0). On price, rating, update cadence and ads 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

SECANDA holds the better App Store score, 4.9 against 4.7. That said, the two scores are not equally well evidenced: UBS & UBS key4 has 2.3K ratings behind it against 52, so its average is the more settled of the two. Written reviews complicate that: 50% of UBS & UBS key4's written reviews are positive against 40% of SECANDA's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly fortnightly. The most recent releases landed on November 6, 2026 and November 3, 2026 respectively.

Scorecard3 real differences · 7 level
UBS & UBS key4 versus SECANDA: the parameters behind the verdict, then further details
ParameterUBS & UBS key4SECANDA
PriceFreeFree
Rating4.7 (2.3K ratings)4.9 (52 ratings) — better
Positive reviews50.2% of reviews — better40.0% of reviews
Number of ratings2.3K — better52
Update frequencyFortnightlyFortnightly
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPadiPhone, iPod
Requires iOS18.015.1 — better
Further details — not scored
Size610 MB61 MB
Age rating4+4+
DeveloperUBS AGIntraKey technologies AG

Customer experience

UBS & UBS key4

All ratings2,255 ratings
Positive94.5%
Neutral2.1%
Negative3.4%
Written reviews211 reviews
Positive50.2%
Neutral6.6%
Negative43.1%

SECANDA

All ratings51 ratings
Positive98.0%
Neutral2.0%
Negative0.0%
Written reviews5 reviews
Positive40.0%
Neutral0.0%
Negative60.0%

Bugs and requests

UBS & UBS key4

Reported bugs

5 issues
  • Frequent connectivity issues and app crashes
  • eBill payment issues causing duplicate payments
  • Accounts not showing up as expected based on settings
  • Scan and pay functionality not working
  • Login and authentication problems

Requested features

6 requests
  • Ability to manage personal and business accounts in the same app
  • Larger default font size for better accessibility
  • Landscape mode support on iPad
  • Ability to copy and paste in relevant fields
  • More advanced charting and analytics for investments
Show 1 more
  • Reinstate QR code scanning for bill payments

SECANDA

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

UBS & UBS key4

No in-app purchases

None

SECANDA

No in-app purchases

Questions

Is UBS & UBS key4 free?
UBS & UBS key4 is free to download, with no in-app purchases.
Is SECANDA free?
SECANDA is free to download, with no in-app purchases.
Which has better reviews, UBS & UBS key4 or SECANDA?
SECANDA is rated higher. UBS & UBS key4 averages 4.7 out of 5 from 2.3K ratings, while SECANDA averages 4.9 from 52 ratings.
Do UBS & UBS key4 or SECANDA have ads?
Neither UBS & UBS key4 nor SECANDA shows ads.
Which is updated more often, UBS & UBS key4 or SECANDA?
UBS & UBS key4 ships an update fortnightly, and SECANDA fortnightly. Most recently, UBS & UBS key4 was updated on November 6, 2026 and SECANDA on November 3, 2026.

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