Comparison

Commerzbank photoTAN vs VR SecureGo plus

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

Head to head
About

Commerzbank photoTAN

Approve online banking transactions securely and quickly with push notifications or by scanning a graphic. Offers a streamlined activation process for immediate use.

Highlights
  • One-click order approval via push notification
  • Scan photoTAN graphics to generate TANs
  • Digital first activation with VideoIdent
  • High security for online and mobile banking
  • Device security checks
Features
Read full description

Commerzbank's new photoTAN app. Receive push message, check order, approve - with the new photoTAN push function, you can approve orders quickly and securely with just one click. With the photoTAN scan function, you still have the option of scanning a photoTAN graphic to generate a TAN. It is now possible to fully legitimize yourself from the comfort of your own home with the VideoIdent app. With our new feature, the digital first activation, you can after the legitimation with VideoIdent in the next 3 hours easily and quickly activate the photoTAN app with a code that you receive by SMS. This means you no longer have to wait for the activation graphic The photoTAN app is our most innovative security method. The app offers the highest possible security through a modern and convenient TAN procedure - for all customers who use Commerzbank's online and / or mobile banking. ####################### Hard-/software checks of your device: At runtime, we check known, security-relevant attack vectors (e.g. rooted/jailbreak, malicious apps, etc.) To do this, we need your consent. If you do not agree to do such a security checks, we kindly ask you not to install our photoTAN app and instead to use our reading device to use the online banking offer on the Internet (https://www.commerzbank.de/). You can also revoke your consent at any time for the future by uninstalling our photoTAN app from your device. ####################### What do I need the photoTAN app for? The photoTAN app is one of our security factors. The photoTAN is an important part of every login and transaction in your online and mobile banking. It is used to verify the order data you have entered and to generate the transaction number (TAN). How does photoTAN-Push work? The push function of our new photoTAN app is particularly convenient. As soon as a new order is available for you to approve, we send you a notification to your smartphone when you use photoTAN-Push. When you then open the photoTAN app, the order to be approved is displayed directly for you to check. If the data displayed is correct, you release the order with just one click. How does photoTAN scan work? After placing an order in Online Banking, a mosaic-like colorful graphic appears on the monitor. You scan this with the photoTAN app. A TAN is displayed immediately. To check, you then see the essential details of your order again in the app. If everything is correct, simply enter the TAN on the computer and the order is confirmed. By the way: With our mobile banking, you can make transfers even faster and easier than on your computer. To do this, use the free Commerzbank banking app! The advantages of the new photoTAN app at a glance: • Security: Commerzbank's most innovative TAN procedure. • Uncomplicated: You receive a notification on your smartphone when a new order is ready for approval. • Fast: You can approve orders with just one click. • Free of charge: The use of photoTAN is free of charge for you. • Mobile banking: Quick order approvals via the banking app using the App2App function. • Offline usability: If your smartphone is offline, you can continue to approve orders easily with the scan function. For more information on the new photoTAN process, visit http://www.commerzbanking.de/phototan.

About

VR SecureGo plus

Securely approve all your banking and credit card transactions with this app. Enjoy flexible, convenient, and highly secure authorization for online payments and banking orders. Utilize biometric authentication for added ease and safety.

Highlights
  • Approve banking orders
  • Authorize credit card payments
  • Direct authorization for online banking
  • High security standards
  • Use on up to three devices
  • Fingerprint/face recognition for approval
Read full description

Schnell, einfach und sicher: Mit VR SecureGo plus können Sie alle Banking- und Kreditkartenaufträge innerhalb einer App ganz bequem freigeben. DIE APP IM ÜBERBLICK * Einfach flexibel: App zur Freigabe aller Banking-Aufträge und Online-Zahlungen per Kreditkarte * Einfach bequem: Direktfreigabe für das neue OnlineBanking und die Kreditkarte * Einfach sicher: höchste Sicherheitsstandards für Ihre Daten und Transaktionen * Einfach mehr: gleichzeitig auf bis zu drei Geräten für OnlineBanking nutzbar * Einfach erkannt: auf Wunsch Freigabe per Fingerabdruck oder Gesichtserkennung WAS SIND DIE VORAUSSETZUNGEN? * Sie benötigen lediglich den Aktivierungscode Ihrer Bank. * Anschließend können Sie die App bequem einrichten. Weitere Informationen rund um Freischaltung und Verwendung der VR SecureGo plus App finden Sie auf vr.de/faqs-vr-securego-plus-app —————————— Herstellerin im Sinne des Cyber Resilience Act (CRA): Atruvia AG Fiduciastraße 20, 76227 Karlsruhe / GAD-Straße 2–6, 48163 Münster HRB 102381, Amtsgericht Frankfurt am Main Schwachstellen melden: Hinweise auf Sicherheitslücken oder Schwachstellen senden Sie bitte an: security-contact@atruvia.de Bitte beachten Sie: Diese Kontaktadresse dient ausschließlich der Meldung von Schwachstellen gemäß den CRA-Vorgaben. Für Fragen zum Produkt oder sonstigen Support nutzen Sie bitte die bekannten Support-Kanäle.

Screenshots

Commerzbank photoTAN4 screens
VR SecureGo plus4 screens

Verdict

The call

Commerzbank photoTAN and VR SecureGo plus both sit at 4.8 stars, but that hides the real split: 69% of VR SecureGo plus's written reviews are positive against 51% of Commerzbank photoTAN's. Commerzbank photoTAN's advantage is iOS requirement (15.0 vs 17.6). On price, rating, ratings volume and update cadence 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

On the App Store both sit at effectively the same score — 4.8 for Commerzbank photoTAN against 4.7 for VR SecureGo plus. Both are backed by a comparable volume of ratings — 2K and 2.2K respectively. Written reviews are what separate them: 51% of Commerzbank photoTAN's written reviews are positive against 69% of VR SecureGo plus's.

UpkeepUpdate frequency

Commerzbank photoTAN ships an update every 2 months, VR SecureGo plus monthly. The most recent releases landed on November 1, 2026 and November 3, 2026 respectively.

Scorecard2 real differences · 8 level
Commerzbank photoTAN versus VR SecureGo plus: the parameters behind the verdict, then further details
ParameterCommerzbank photoTANVR SecureGo plus
PriceFreeFree
Rating4.8 (2K ratings) — better4.7 (2.2K ratings)
Positive reviews51.4% of reviews68.8% of reviews — better
Number of ratings2K2.2K — better
Update frequencyEvery 2 monthsMonthly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPad
Requires iOS15.0 — better17.6
Further details — not scored
Size153 MB98 MB
Age rating4+4+
DeveloperCommerzbank AGAtruvia AG

Customer experience

Commerzbank photoTAN

All ratings2,045 ratings
Positive95.2%
Neutral1.8%
Negative3.0%
Written reviews140 reviews
Positive51.4%
Neutral6.4%
Negative42.1%

VR SecureGo plus

All ratings2,131 ratings
Positive92.6%
Neutral2.7%
Negative4.7%
Written reviews93 reviews
Positive68.8%
Neutral3.2%
Negative28.0%

User reviews

Commerzbank photoTAN

From 2K App Store ratings

What we love

  • 🔒 Secure and simple
  • 👍 Available in English
  • 🚀 Really great system, works very well and very quick

Room to improve

  • 🐛 It keeps crashing and not working
  • 🐛 The app didn't scan the image even after multiple attempts
  • 🐛 The app is not working and I'm not able to login to my account
  • 🐛 Impossible to upgrade, the upgrade fails with an error message
  • 🐛 Crashes on launch, crashes on iPhone XS/XS Max

VR SecureGo plus

From 2.2K App Store ratings

What we love

  • 👍 Works well for business from the USA
  • 🚀 Todea - Fast and secure!!
  • 👍 Smooth and reliable
  • 🔒 Maximum security
  • 👍 Easy to work

Room to improve

  • 🐛 Invisible app window bug not fixed
  • 🐛 Online payments keep failing
  • 🤔 Complicated activation process
  • 🤔 Difficult to navigate on older devices
  • 🤔 Frequent need for new activation codes

Bugs and requests

Commerzbank photoTAN

Reported bugs

3 issues
  • Incompatible with iOS 12 and iPhone XS/XS Max
  • Camera won't load after iOS 8 upgrade
  • Crashes on launch, crashes on iPhone XS/XS Max

Requested features

4 requests
  • Allow pasting from clipboard for password
  • Extend mobile TAN to more countries
  • Add cloud backup option
  • Add passcode lock for protection

VR SecureGo plus

Reported bugs

4 issues
  • App freezes on startup
  • Incompatible with older iOS versions
  • Activation code request page not working
  • Invisible app window on certain devices

Requested features

3 requests
  • Combine everything in one app like DIBA
  • Add dark mode option
  • Improve user-friendliness for older users

In-app purchases

None

Commerzbank photoTAN

No in-app purchases

None

VR SecureGo plus

No in-app purchases

Questions

Is Commerzbank photoTAN free?
Commerzbank photoTAN is free to download, with no in-app purchases.
Is VR SecureGo plus free?
VR SecureGo plus is free to download, with no in-app purchases.
Which has better reviews, Commerzbank photoTAN or VR SecureGo plus?
Commerzbank photoTAN is rated higher. Commerzbank photoTAN averages 4.8 out of 5 from 2K ratings, while VR SecureGo plus averages 4.7 from 2.2K ratings.
Do Commerzbank photoTAN or VR SecureGo plus have ads?
Neither Commerzbank photoTAN nor VR SecureGo plus shows ads.
Which is updated more often, Commerzbank photoTAN or VR SecureGo plus?
Commerzbank photoTAN ships an update every 2 months, and VR SecureGo plus monthly. Most recently, Commerzbank photoTAN was updated on November 1, 2026 and VR SecureGo plus on November 3, 2026.

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