# UBS TWINT vs ZKB Access

UBS TWINT and ZKB Access both sit at 4.9 stars, but that hides the real split: 100% of ZKB Access's written reviews are positive against 31% of UBS TWINT's. ZKB Access also leads on iOS requirement (16.4 vs 18.0). UBS TWINT's advantage is ratings volume (1.7K vs 214). On price, rating, update cadence and ads there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

On the App Store both sit at effectively the same score — 4.9 for UBS TWINT against 4.9 for ZKB Access. That said, the two scores are not equally well evidenced: UBS TWINT has 1.7K ratings behind it against 214, so its average is the more settled of the two. Written reviews are what separate them: 31% of UBS TWINT's written reviews are positive against 100% of ZKB Access's.

UBS TWINT ships an update every 2 months, ZKB Access every 5 weeks. The most recent releases landed on November 4, 2026 and November 2, 2026 respectively.

## The numbers

| Metric | UBS TWINT | ZKB Access |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.9 (1.7K ratings)](https://appshunter.io/ios/app/ubs-twint/id989192632/reviews) | **[4.9 (214 ratings)](https://appshunter.io/ios/app/zkb-access/id1211229343/reviews)** |
| Number of ratings | **1.7K** | 214 |
| Positive reviews | 31.2% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | **Every 5 weeks** |
| Monetization | Free | Free |
| Size | 59 MB | 127 MB |
| Requires iOS | 18.0 | **16.4** |
| Devices | iPhone | **iPhone, iPad** |
| Age rating | 4+ | 4+ |
| Developer | [UBS AG](https://appshunter.io/developer/369153318) | [Zuercher Kantonalbank](https://appshunter.io/developer/428937858) |

## What reviewers say

### UBS TWINT

[App page](https://appshunter.io/ios/app/ubs-twint/id989192632)

This mobile payment app allows users to send and receive money digitally, pay for purchases contactless, and manage various transactions. It offers features like paying for parking, online shopping, and ordering coffee, all while prioritizing security and data privacy within Switzerland.

**Highlights:** Send and receive money digitally, Contactless payment at terminals, Pay in online stores, In-app payment integration, Pay parking fees, Buy and send digital vouchers, Withdraw cash without ATM

**Features:** Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Fast and efficient
- 👍 Easy to use
- 💡 Convenient payment method

**What reviewers complain about**

- 🐛 Buggy and unstable
- 👎 Poor user experience
- 🔒 Restricted to Swiss phone numbers only
- 🔍 Difficult to access contacts

**Reported bugs**

- Unable to save contacts
- Login and transaction failures
- Compatibility issues with older devices

**Requested features**

- Allow access with non-Swiss phone numbers
- Improve contact management
- Optimize app performance
- Enhance interface design


### ZKB Access

[App page](https://appshunter.io/ios/app/zkb-access/id1211229343)

Securely access your online banking with this app. New users can complete identification from home or a branch. Enjoy flexibility and enhanced security through a two-channel login process.

**Highlights:** Secure eBanking login, New customer identification, ID scan and video selfie, Smartphone and tablet support, Two-channel security

**In-app purchases:** none


## Frequently asked questions

### Is UBS TWINT free?

UBS TWINT is free to download, with no in-app purchases.

### Is ZKB Access free?

ZKB Access is free to download, with no in-app purchases.

### Which has better reviews, UBS TWINT or ZKB Access?

ZKB Access is rated higher. UBS TWINT averages 4.9 out of 5 from 1.7K ratings, while ZKB Access averages 4.9 from 214 ratings.

### Do UBS TWINT or ZKB Access have ads?

Neither UBS TWINT nor ZKB Access shows ads.

### Which is updated more often, UBS TWINT or ZKB Access?

UBS TWINT ships an update every 2 months, and ZKB Access every 5 weeks. Most recently, UBS TWINT was updated on November 4, 2026 and ZKB Access on November 2, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*