# Citizens Smart

> Official mobile banking app for managing accounts, payments, and transfers. (iPhone/iPad app by Citizens Bank International Ltd..)

- Source: https://appshunter.io/ios/app/citizens-smart/id881860234 (this page in markdown: same URL + `.md`)
- Developer: [Citizens Bank International Ltd.](https://appshunter.io/developer/1398765830)
- Category: Finance, Business
- Price: Free
- Rating: 3.60/5 from 30 App Store ratings · 10 written reviews indexed
- Age rating: 17+
- Requires: iOS 12.4 · 175 MB
- Languages: American English
- Released: 2014-06-03
- Data updated: 2026-08-25
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/citizens-smart/id881860234/reviews.md

## What is Citizens Smart?

Citizens Smart is Citizens Bank's Official Mobile Banking App. Enjoy easy banking from your hand held devices, from anywhere anytime. Manage and use your Bank Account on the move and around the clock with this secure Mobile Banking App from Citizens Bank. This App will be regularly updated with additional new features.

Key Features:

1.	Banking On the Go

2.	Bill Payments Made Easier

3.	Top Up Made Easier

4.	Fund Transfers Made Easier

5.	QR Code: Scan and Pay

6.	Instant Online and Retail Payment with Fonepay Network

7.	Accessing your Account Informations Made Easier

8.	User Friendly, Safe and Secure

9.	And Many More Exciting Features

Citizens Smart helps protect your information by using 128-bit SSL encryption when you are logged on.
To be able to use this App, you first need to have a valid account maintained at Citizens Bank, and you need to subscribe to the Citizens Bank's Mobile Banking Service.

Banking has never been this simple and easier before. Enjoy Banking Without visiting your branch.

Citizens Smart is a Member of Fonepay Network.

Smart Banking for Smart People.

## Key features

- Banking on the go
- Bill payments
- Fund transfers
- QR code payments
- Instant online payments
- Account information access
- Secure encryption

## Recent user reviews (10 of 10)

All indexed reviews: https://appshunter.io/ios/app/citizens-smart/id881860234/reviews.md

### 2/5 — update?

*2025-12-03*

After updating to 7.3.133 this app is not working on IOS 26.1. Fix asp please

### 1/5 — Pin change

*2025-12-02*

Why does this app make us change the pin frequently? 
1. We tend to forget the pin easily. 
2. For every mobile banking app we use the same pin so that we wouldn’t get confused.
3. Your face recognition is poor.

### 1/5 — Has many bugs

*2025-06-26*

Takes long time to load. Doesnot work in offline mode .

### 3/5 — Where is card details?

*2022-12-14*

Everything is good with the app, but the option which says card, why doesnt any card shows in there? Neither debit card nor credit card, other banks mobile banking shows credit card details and even the available limit, payment due date. It would be really great if citizens bank also can add those details.so at least customer can know their card limits through app.

### 1/5 — No payment option

*2021-04-01*

There is no any option available in payments. Fix this please

### 1/5 — Crash fix

*2020-02-28*

fix the crash for iOS 13.4

### 1/5 — Faceid

*2019-06-17*

Cant access face id through my mobile as there is no option in my old mobile there was option for fingerprint as my new mobile doesn’t have fingerprint but only face id i cant access it

### 5/5 — Payment does not work

*2019-06-06, version 5.0.4*

Payment doesn’t work

### 3/5 — Convenience

*2017-07-13*

Just downloaded and installed this app on my iphone6. Transferred an amount to my smartphone using this app. All worked like a charm! Very convenient! Need to remember all kinds of number to access any of the myraid of services offered. I am also worried that all a person need to acess these services (my account) is my PIN. This is a serious flaw. Trying to connect this app with LastPass but don't know it it will work. Would prefer that there is another level of authentication.

### 3/5 — Need to improve a lot

*2014-11-01, version 1.0.2*

Need to fix a lot of issues, the bank should provide more facilities.

## Frequently asked questions about Citizens Smart

### What security measures does Citizens Smart use?

Citizens Smart protects your information using 128-bit SSL encryption when you are logged on. This ensures that your banking activities are kept secure and private.

### How do I get started with Citizens Smart?

To use Citizens Smart, you need to have a valid account with Citizens Bank and subscribe to their Mobile Banking Service. Once subscribed, you can download and log in to the app.

### Does Citizens Smart support bill payments?

Yes, Citizens Smart makes bill payments easier. You can manage and pay your bills directly through the app, saving you a trip to the branch.

### Can I transfer funds using Citizens Smart?

Yes, fund transfers are made easier with Citizens Smart. You can transfer money between accounts or to other individuals conveniently through the app.

### What devices are supported by Citizens Smart?

Citizens Smart is available for iPhone and iPod devices. The app is designed for mobile use on these platforms.

### How often is Citizens Smart updated?

Citizens Smart is regularly updated with additional new features. The latest version is 7.3.153, last updated on February 16, 2026.

### Is Citizens Smart free to use?

Yes, Citizens Smart is a free mobile banking app. There are no charges to download or use the core banking features.

### What is the user rating for Citizens Smart?

Citizens Smart has a rating of 3.5 stars from 28 ratings. This indicates a generally positive but mixed user reception.

## Version history (last 5 releases)

### 7.3.204 — 2026-08-18

- Core level fixes added.
- Minor Improvements

### 7.3.203 — 2026-08-14

- Core level fixes added.
- Minor Improvements

### 7.3.189 — 2026-07-29

- Core level fixes added.
- Minor Improvements

### 7.3.175 — 2026-05-11

- Core level fixes added.
- Minor Improvements

### 7.3.158 — 2026-04-07

- Core level fixes added.
- Minor Improvements

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## Related topics

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-25.*