# UBS TWINT vs LUKB TWINT

The clearest difference is monetization model: LUKB TWINT at free against UBS TWINT's free with in-app purchases. LUKB TWINT also leads on iOS requirement (16.0 vs 18.0). UBS TWINT's advantage is ratings volume (1.7K vs 37). 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.

UBS TWINT holds the better App Store score, 4.9 against 4.7. That said, the two scores are not equally well evidenced: UBS TWINT has 1.7K ratings behind it against 37, so its average is the more settled of the two.

Both ship on a similar rhythm, roughly every 2 months. The most recent releases landed on October 29, 2026 and October 24, 2026 respectively.

## The numbers

| Metric | UBS TWINT | LUKB TWINT |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.9 (1.7K ratings)](https://appshunter.io/ios/app/ubs-twint/id989192632/reviews)** | [4.7 (37 ratings)](https://appshunter.io/ios/app/lukb-twint/id1629398624/reviews) |
| Number of ratings | **1.7K** | 37 |
| Positive reviews | 32.0% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | Every 2 months |
| Monetization | Free with in-app purchases | **Free** |
| Size | 59 MB | 57 MB |
| Requires iOS | 18.0 | **16.0** |
| Devices | iPhone | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [UBS AG](https://appshunter.io/developer/369153318) | [Luzerner Kantonalbank](https://appshunter.io/developer/364591552) |

## What reviewers say

### UBS TWINT

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

This app enables secure and convenient mobile payments, allowing users to send and receive money digitally. It facilitates cashless transactions in stores, online, and for services like parking, while also offering features for vouchers, donations, and cash withdrawals.

**Highlights:** Send and receive money digitally, Cashless payments in stores and online, Pay parking fees, Digital vouchers and credit, Donate to charities, Withdraw cash without ATM, Access discount offers

**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


### LUKB TWINT

[App page](https://appshunter.io/ios/app/lukb-twint/id1629398624)

This app simplifies mobile payments, allowing users to send and receive money, pay at the point of sale, and manage digital loyalty cards. It connects directly to your bank account for seamless transactions.

**Highlights:** Send and receive money instantly, Pay at stores and online, Digital loyalty cards and coupons, Later payment option for online purchases, Secure access with PIN or biometrics

**Features:** Apple Wallet

**In-app purchases:** none


## Frequently asked questions

### Is UBS TWINT free?

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

### Is LUKB TWINT free?

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

### Which has better reviews, UBS TWINT or LUKB TWINT?

UBS TWINT is rated higher. UBS TWINT averages 4.9 out of 5 from 1.7K ratings, while LUKB TWINT averages 4.7 from 37 ratings.

### Do UBS TWINT or LUKB TWINT have ads?

Neither UBS TWINT nor LUKB TWINT shows ads.

### Which is updated more often, UBS TWINT or LUKB TWINT?

UBS TWINT ships an update every 2 months, and LUKB TWINT every 2 months. Most recently, UBS TWINT was updated on October 29, 2026 and LUKB TWINT on October 24, 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.*