Comparison

Oberbank vs flateXSecure

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

Head to head
About

Oberbank

Manage your banking needs on the go with this app. Access all your accounts, cards, and investment information, and perform transactions like SEPA transfers. It also offers features like a QR code reader for easier data entry and an electronic mailbox.

Highlights
  • Account and card overview
  • SEPA bank transfer
  • QR code and IBAN reader
  • Limit changes for debit cards
  • Electronic mailbox
  • Latest news updates
Features
Read full description

With the Oberbank App, you can take your Oberbank along wherever you go. It allows you to access all banking functions, innovative services and practical features you can use in Austria and abroad around the clock. The functions available within the app can vary between countries! For cash and investment account customers: * Banking transactions anytime anywhere (prerequisite: Internet connection + eBanking) * All accounts, cards and investment accounts at a glance * Transmission of SEPA bank transfer instructions * QR code reader and IBAN reader for simplified data entry when issuing bank transfers Additional services – also available to anybody who is not an Oberbank customer: * Limit change for your Oberbank debit card * Activation of your Oberbank debit card for non-EU countries * Electronic mailbox * Current news directly on your smartphone The app was designed especially for smartphones. In order to download the Oberbank App, you will need iOS 11.0 or higher. The app can only be used together with an Oberbank account for which eBanking has been activated. In order to login, you can use your eBanking access data (participant number + PIN)

About

flateXSecure

Securely authorize transactions without an iTAN card. Receive TANs directly on your smartphone or tablet via the app. Get important notifications through push messages.

Highlights
  • Secure transaction authorization
  • iTAN card alternative
  • Receive TANs on smartphone/tablet
  • Push notifications
  • Choose authorization method
Read full description

Mit flateXSecure geben Sie Ihre Transaktionen sicher und komfortabel ohne iTANCard frei. Ihre TAN erhalten Sie mit der App direkt auf Ihr Smartphone oder Tablet. Wichtige Benachrichtigungen werden Ihnen per Push-Funktion angezeigt. Aktivieren Sie flateXSecure zusätzlich zu Ihrer iTANCard und entscheiden Sie in Zukunft selbst, welches Verfahren Sie nutzen möchten.

Screenshots

Oberbank4 screens
flateXSecure4 screens

Verdict

The call

Oberbank and flateXSecure both sit at 4.6 stars, but that hides the real split: 85% of flateXSecure's written reviews are positive against 50% of Oberbank's. flateXSecure also leads on iOS requirement (12.0 vs 16.0). Oberbank's advantage is update cadence (monthly vs every 5 months). On price, rating, ratings volume 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

On the App Store both sit at effectively the same score — 4.6 for Oberbank against 4.5 for flateXSecure. Both are backed by a comparable volume of ratings — 55 and 84 respectively. Written reviews are what separate them: 50% of Oberbank's written reviews are positive against 85% of flateXSecure's.

UpkeepUpdate frequency

Oberbank ships an update monthly, flateXSecure every 5 months. The most recent releases landed on October 15, 2026 and October 16, 2026 respectively.

Scorecard3 real differences · 7 level
Oberbank versus flateXSecure: the parameters behind the verdict, then further details
ParameterOberbankflateXSecure
PriceFreeFree
Rating4.6 (55 ratings) — better4.5 (84 ratings)
Positive reviews50.0% of reviews84.9% of reviews — better
Number of ratings5584 — better
Update frequencyMonthly — betterEvery 5 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPadiPhone, iPad, iPod — better
Requires iOS16.012.0 — better
Further details — not scored
Size204 MB10 MB
Age rating4+4+
DeveloperOberbank AGflatexDEGIRO SE

Customer experience

Oberbank

All ratings55 ratings
Positive90.9%
Neutral1.8%
Negative7.3%
Written reviews26 reviews
Positive50.0%
Neutral7.7%
Negative42.3%

flateXSecure

All ratings84 ratings
Positive90.5%
Neutral0.0%
Negative9.5%
Written reviews53 reviews
Positive84.9%
Neutral9.4%
Negative5.7%

In-app purchases

None

Oberbank

No in-app purchases

None

flateXSecure

No in-app purchases

Questions

Is Oberbank free?
Oberbank is free to download, with no in-app purchases.
Is flateXSecure free?
flateXSecure is free to download, with no in-app purchases.
Which has better reviews, Oberbank or flateXSecure?
Oberbank is rated higher. Oberbank averages 4.6 out of 5 from 55 ratings, while flateXSecure averages 4.5 from 84 ratings.
Do Oberbank or flateXSecure have ads?
Neither Oberbank nor flateXSecure shows ads.
Which is updated more often, Oberbank or flateXSecure?
Oberbank ships an update monthly, and flateXSecure every 5 months. Most recently, Oberbank was updated on October 15, 2026 and flateXSecure on October 16, 2026.

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