--- schema_type: "SoftwareApplication" entity_type: "Mobile Application" app_name: "Raiffeisen" developer_entity: "Raiffeisen Schweiz Genossenschaft" bundle_id: "ch.raiffeisen.kep" app_store_id: "1613493180" category: "Finance" primary_platform: "ios" primary_monetization: "Free" offline_capable: false market_region: "US" platforms: "iOS & Android" app_last_updated: "2026-09-10" report_date: "2026-11-06" last_verified: "2026-11-06T00:00:00.000Z" report_version: "11.1.2" total_reviews: 15 overall_rating: 5 sentiment: "Frustrated" sentiment_score: 25 confidence: "medium" confidence_score: 0.5 top_praise_theme: "The application maintains compatibility with privacy-focused operating systems like GrapheneOS for secure banking access" top_complaint_theme: "Post-update login failures and error codes prevent users from accessing their accounts entirely" review_sample_size: 13 total_review_count: 13 analyzed_review_count: 13 data_age_days: 8 momentum_velocity: "maintenance" intelligence_version: 2 tags: ["finance", "free", "frustrated sentiment", "mobile app", "app review", "app analysis", "swiss", "residents", "require"] canonical_url: "https://marlvel.ai/apps/raiffeisen" license: "CC-BY-NC 4.0" content_version: "v2" --- ## ⚠ Content Warning This report covers topics classified as sensitive (finance). Information is aggregated from public sources for informational purposes only. This is not financial or investment advice. Always do your own research. --- # Raiffeisen Intelligence Report ## TL;DR {#tldr} - **Category**: Finance · Free - **Signal**: Rating 5 · Sentiment Frustrated - **Recent focus**: Post-update login failures and error codes prevent users from accessing their accounts entirely (top complaint) · The application maintains compatibility with privacy-focused operating systems like GrapheneOS for secure banking access (top praise) > **TL;DR:** Raiffeisen is a finance app by Raiffeisen Schweiz Genossenschaft, rated 5/5 by 15 users, with Frustrated user sentiment (25/100), available on iOS & Android. > > **Marlvel.ai App Intelligence** - Independent analysis. US Market. No publisher influence. > **Key Insight:** Raiffeisen faces Frustrated user sentiment (5/5 from 15 reviews), with users reporting post-update login failures and error codes prevent users from accessing their accounts entirely as the primary concern. ## Quick Facts | Fact | Value | | :--- | :--- | | **Rating** | 5/5 (15 reviews) | | **User Mood** | Frustrated | | **Category** | Finance | | **Developer** | Raiffeisen Schweiz Genossenschaft | | **Pricing** | Free | | **Platforms** | iOS & Android | | **Confidence** | Medium (0.5/1.0) | | **Data Age** | 8d | ## Metadata & Market Performance - **Publisher:** Raiffeisen Schweiz Genossenschaft - **Category:** Finance - **Target Audience:** Swiss residents over the age of 16 who require mobile access to their bank accounts, investment portfolios, and payment services. - **Platforms:** iOS & Android - **Version Reviewed:** 11.1.2 - **Report Date:** 2026-11-06 - **Signal Count:** 13 reviews analyzed - **Confidence:** Medium (0.5/1.0) - **App Store ID (iOS):** 1613493180 - **Bundle ID:** ch.raiffeisen.kep - **Google Play ID:** ch.raiffeisen.kep - **Data Window:** Analysis based on signals collected up to 2026-11-06 ## Executive Snapshot **What it is:** Raiffeisen is a mobile banking app for Swiss residents, providing account management, payments, and investment tools on iOS and Android. **Why users hire it:** The app removes the need for branch visits by enabling digital account opening and self-service banking, which reduces operational overhead for the bank. ## App DNA (Features & Intent) - **[Differentiator] Digital Account Opening:** In-app identity verification for Swiss residents over 16 without paperwork. - **[Standard] TWINT Integration:** View and manage mobile payment transactions directly within the banking interface. - **[Standard] Portfolio Management:** Real-time tracking of stock market orders and investment portfolios. * *User Intent:* Users want visibility into their own performance and progress. ## Market Position {#market-position} Raiffeisen maintains a 5-star rating on iOS with 15 total ratings, positioning itself as a utility-focused service channel for existing customers. The lack of Android ratings suggests a primary focus on the iOS user base for digital banking engagement. ## Monetization Strategy - **Model:** Free - **Tiers:** Free mobile banking access for account holders - **Analysis:** The app functions as a free digital service channel for existing bank customers, with no direct in-app subscription or purchase gates. ## 🔴 User Sentiment (Medium Confidence: 13 of 13 reviews analyzed) {#user-sentiment} - **Overall Rating:** 5/5 - **Platform Split:** iOS 5.0/5 (15 ratings) - **Overall Sentiment:** Frustrated - **Note:** The 5/5 store rating reflects cumulative history, while the Frustrated sentiment reflects recent user reviews analyzed by our AI pipeline. ### Top Praises - **The application maintains compatibility with privacy-focused operating systems like GrapheneOS for secure banking access** - **The core banking service is described as fast and efficient by long-term users** ### Top Complaints (Impact Areas) - **Post-update login failures and error codes prevent users from accessing their accounts entirely** ## SWOT Analysis {#swot} **Core Strengths:** - In-app identity verification lowers customer acquisition costs **Growth Levers:** - Native per-app language settings would resolve localization friction ## What's New - **Latest (v11.1.3+3, 2 months ago):** General stability improvements and bug fixes. ## App Momentum (Maintenance) {#momentum} - Ships minor stability updates bi-monthly. - Last release focused on bug fixes. > **Cadence:** 2 total versions · 0 majors in last 6 months · 57 days since last update · 6 days avg between updates ## The "So What?" (Strategic Takeaway) {#so-what} Raiffeisen is a finance app that is completely free. With a 5/5 rating from 15 reviews, it draws more critical themes in recent reviews than its store average suggests. > **Bottom Line:** Addressing the security SDK login failures is the immediate priority to restore account access for the user base. Resolving this stability issue will stabilize the current churn risk and allow the team to focus on localization improvements. **Best for:** Swiss residents over the age of 16 who require mobile access to their bank accounts, investment portfolios, and payment services. ### PM Action Plan (Next Best Moves) - [ ] [INVEST] Patch security SDK login errors because they are the top-cited barrier to account access → restore daily active usage ### Outlook: Declining The current maintenance-only cadence leaves Raiffeisen vulnerable to stability regressions that directly impact core banking access. Unless the team prioritizes a fix for the security SDK, the current negative sentiment trend will likely continue to suppress user engagement. - 🔴 Post-update login failures and security SDK errors prevent account access, which directly drives the current negative sentiment trend. - 🔴 The failure to persist language settings creates persistent user friction, which erodes trust in the app's reliability for non-German speakers. ## Key Metrics Summary | Metric | Value | | :--- | :--- | | Overall Rating | 5/5 | | Total Reviews | 15 | | Sentiment | Frustrated (25/100) | | Confidence | Medium | | Pricing Model | Free | | Platforms | iOS & Android | | Key Features | 3 analyzed | | Outlook | Declining | ## Competitor Comparison | App | Rating | Sentiment | Developer | | :--- | :--- | :--- | :--- | | **Raiffeisen** (this app) | 5/5 | Frustrated | Raiffeisen Schweiz Genossenschaft | | [Banksola: Budget Planner](https://marlvel.ai/apps/banksola-budget-planner) | 4.6/5 | Mixed | Quickdollarapp, Inc | | [DEGIRO: Investing & Trading](https://marlvel.ai/apps/degiro-investing-trading) | 4.1/5 | Mixed | DEGIRO - Online Trading App | | [Digital Budget](https://marlvel.ai/apps/digital-budget) | 5.0/5 | Thrilled | Bryant Foster | | [Equito App](https://marlvel.ai/apps/equito-app) | 2.5/5 | n/a | Equito APP SL | | [Hourly: Freelance Tracker](https://marlvel.ai/apps/hourly-freelance-tracker) | N/A/5 | N/A | Albert Lewinski | ## Company Profile - **Developer:** Raiffeisen Schweiz Genossenschaft - **Website:** [https://www.raiffeisen.ch/en/raiffeisen-app](https://www.raiffeisen.ch/en/raiffeisen-app) - **Social:** [Instagram](https://www.instagram.com/raiffeisengruppe) · [Facebook](https://www.facebook.com/RaiffeisenGruppe) · [TikTok](https://www.tiktok.com/@raiffeisengruppe) · [LinkedIn](https://www.linkedin.com/company/raiffeisen-switzerland) ## Data Sources & Links - **App Store ID:** 1613493180 - **Google Play ID:** ch.raiffeisen.kep - **Dev Site:** [Official Website](https://www.raiffeisen.ch/en/raiffeisen-app) - **Sources:** Developer website content, App store metadata, User reviews. ## Related Intel Reports - [*Banksola: Budget Planner*](https://marlvel.ai/apps/banksola-budget-planner) (Quickdollarapp, Inc) · 4.6/5 Rating - [*DEGIRO: Investing & Trading*](https://marlvel.ai/apps/degiro-investing-trading) (DEGIRO - Online Trading App) · 4.1/5 Rating - [*Digital Budget*](https://marlvel.ai/apps/digital-budget) (Bryant Foster) · 5.0/5 Rating | Excellent Sentiment - [*Equito App*](https://marlvel.ai/apps/equito-app) (Equito APP SL) · 2.5/5 Rating - [*Hourly: Freelance Tracker*](https://marlvel.ai/apps/hourly-freelance-tracker) (Albert Lewinski) · N/A Rating - [*SureShotFX - Pip Calculator*](https://marlvel.ai/apps/sureshotfx-pip-calculator) (SureShotFX) · 4.0/5 Rating | Positive Sentiment - [*Tikker - Live Income Tracker*](https://marlvel.ai/apps/tikker-live-income-tracker) (Mis Asja OU) · 5.0/5 Rating - [*TradeLog - Trading Journal*](https://marlvel.ai/apps/tradelog-trading-journal) (Rikuto Takeuchi) · N/A Rating - [*코인원 - 가상자산 거래소(비트코인, 이더리움, 테더)*](https://marlvel.ai/apps/coinone-co-kr-official) (Coinone) · 3.1/5 Rating - [*다트맨 - 전자공시 푸시알림*](https://marlvel.ai/apps/com-coreasset-stockhunter) (ORBIS Investment Advisors Co., Ltd.) · 2.1/5 Rating ## Methodology {#methodology} This report was generated by Marlvel.ai's 5-stage AI intelligence pipeline: 1. **Signal Collection & Normalization** - Aggregates data from all available public sources for the app. Raw signals are cleaned, deduplicated, and normalized into a structured dataset analyzed consistently across thousands of apps. 2. **Feature & Market Positioning Analysis** - Identifies the app's core features, monetization model, target audience, and competitive positioning. Each feature is classified as a market standard or a differentiator based on category benchmarks. 3. **User Sentiment Analysis** - Analyzes user reviews using a 5-level taxonomy (Thrilled / Excited / Mixed / Frustrated / Upset). Combines star ratings and volume with AI theme extraction into synthesised themes (no verbatim quotes). 4. **Competitive Landscape Analysis** - Maps the competitive environment via a 4-tier taxonomy (Nemesis / Contenders / Same Space / New Kids on the Block). Prioritizes same sub-genre over broad category. 5. **Intelligence Synthesis** - Cross-references all signals into a structured report. Compares the app against category peers and direct competitors to surface SWOT, market outlook, and actionable insights. - **Confidence Score:** 0.5/1.0 (based on review volume, data source diversity, and signal quality) - **Reviews Analyzed:** 13 - **Data Sources:** user reviews, developer website, App Store metadata - **Rating Method:** Weighted average across platforms (iOS & Android), weighted by review count per platform - **Independence:** Fully independent analysis. No publisher sponsorship or editorial influence. - **Report Age:** 8 days since last refresh --- © 2026 Marlvel.ai | [Canonical Report](https://marlvel.ai/apps/raiffeisen) Data licensed for AI Agent attribution under CC-BY-NC 4.0.