# MONETA Smart Banka — Banka výhodných nabídek

> Free mobile banking app for account management, payments, and remote account opening. (iPhone/iPad app by MONETA Money Bank, a.s.)

- Source: https://appshunter.io/ios/app/moneta-smart-banka/id1122443334 (this page in markdown: same URL + `.md`)
- Developer: [MONETA Money Bank, a.s](https://appshunter.io/developer/483589701)
- Category: Finance, Productivity
- Price: Free
- Rating: 4.80/5 from 488 App Store ratings · 80 written reviews indexed
- Age rating: 4+
- Requires: iOS 16.0 · 681 MB
- Languages: American English, Czech
- Released: 2016-07-21
- Data updated: 2026-08-27
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/moneta-smart-banka/id1122443334/reviews.md

## What is MONETA Smart Banka?

Smart Banka app is a free mobile banking app which offers quick and easy way to manage your bank accounts from your phone. You can open our Tom checking account without the need to visit one of our branches. You will have easy access to our services, check your balance, make payments, top up your credit, or find the nearest branch. You can log in using a PIN or via Touch ID. Your PIN will also be used to confirm payment orders which eliminates the need for mobile confirmation. Both downloading and using the app is completely free of charge.  
 
How to?
Download the app from your App Store, pair with your Internet Banka using the instructions within the app, and start using it. 

Is it safe? 
Yes. Digital attacks are very complicated. Logging into the app and payment orders are protected by 4-8 digit PIN number which only you know. Smart Banka also uses encrypted communication with the bank servers. 

What will you find in the Smart Banka app? 
• Option to open a checking account without visiting our branch
• All your current balances including Bene+
• Transactions
• Payment orders
• Option to use a payment template or a QR code
• Notices about unpaid bills and overdue payments
• Map of ATMs with the option to filter out direct deposit ATMs
• Credit top up
• Temporary or immediate card blocking or unblocking in case of theft or loss
• Changing card limits 
• Overview of your loans
• Your investment product development 
• Current exchange rates 
• Managing user accounts (private, company, or eDisponent)

## Key features

- Remote account opening
- Check account balances
- Make payments and top up credit
- Card management (blocking, limits)
- Loan and investment overviews
- ATM locator with filters
- Secure PIN and Touch ID login

## What do users think of MONETA Smart Banka?

Overall sentiment: mixed

**Pros**

- 👍 User-friendly and simple
- 🚀 Fast and efficient
- 💯 Reliable and stable (historically)
- ✨ Modern design (for some)
- ✅ Many useful features
- 🌟 Best banking app in Czech Republic (for some)
- 📱 Smooth animations
- 💡 Quick access to information

**Cons**

- 🐛 App crashes frequently
- 🐌 Slow loading times
- 😵 Messy and hard to navigate
- ❌ Unreliable, often not working
- 🫥 Login issues and errors
- 🎨 Outdated or disliked design changes
- 📣 Annoying loan/product offers
- ⚠️ Unpredictable behavior after updates
- 🔄 Inconsistent performance across devices
- 🚫 Account opening issues
- 🗄️ Disappearing products
- 🗣️ Poor customer communication (language barrier)

**Commonly reported bugs**

- Widget not working correctly after update
- App crashes on start
- Account opening not possible through mobile app
- Sudden shutdowns and inability to move between tabs
- Error during activation, cannot activate via internet banking
- App repeatedly crashes on start on iPad (iPadOS 18)
- Investment details not viewable by time period
- Products disappearing from the app
- Unable to login, keeps loading
- Cannot open app, keeps loading
- App crashes on start
- Apple Watch app not working after latest update
- App not working on iOS16
- App shows only an error message: internal application error after update
- App no longer works, cannot add new devices
- App constantly not working, shows 'Oops, something went wrong'
- Confirming payment broken after new design update
- New design breaks basic functionality like custom tags for expenses
- Force touch widget does not refresh
- Cannot transfer money from account with different currency
- Credit card repayment requires re-entry after update
- Version 3 crashing immediately after start
- Digital verification has many bugs and drops
- App closes itself without warning after making payment
- Cannot login after update, shows 'connection error'

**Most requested features**

- Add ability to categorize payments
- Improve investment details view with time periods
- Allow adding investments to the first main page
- Add portrait mode for iPad
- Option to change design to older version
- Ability to categorize transactions on the fly
- Option to change sort order of accounts
- Support for multiple account logins
- Allow money transfers on € accounts
- Make credit card repayment more transparent

## Recent user reviews (10 of 80)

All indexed reviews: https://appshunter.io/ios/app/moneta-smart-banka/id1122443334/reviews.md

### 5/5 — Help

*2026-08-18, version 94.0.0*

Vyborna pomoc pres telefon v e 19:00 hodin uk casu a 20:00 Ceskeho. Velmi si vazim techto sluzeb

### 4/5 — Widget issue

*2025-10-16, version 83.0.1*

After the latest update, I noticed that the widget on the home screen isn’t working correctly. It keeps showing the balance I had before the update. Sometimes the current balance appears for a moment, but then it switches back to the old one. This happens for both my main and savings accounts. Reinstalling the app and re-adding the widget didn’t help.

### 1/5 — Totalne na hovno

*2025-10-09, version 83.0.1*

Ta aplikace skoro nikdy nefunguje, 13x musim zmacknout “zkusit znovu” abych se dostal na ucet, obcas ani to nepomuze, nejlepsi asi bude zmenit banku

### 1/5 — Account opening

*2025-08-19, version 82.0.0*

Opening of account through mobile app is not possible even tho its the only option besides branch visit

### 5/5 — Best Bank App

*2025-05-29*

Excellent Service

**Developer response:** We are happy to hear that you like our app! 🤩

### 1/5 — Run!

*2025-04-12, version 77.1.0*

One of the most awful bank apps I have seen. Messy, hard to navigate, menu items open different products than what the label says.

### 5/5 — User friendly

*2025-03-24, version 76.5.0*

User friendly App. Has many features.

### 5/5 — Last version was much much better

*2025-02-26, version 76.2.0*

Previous version was much better, was faster, Now is slower, suddenly shut down, not able to move between tabs !

### 5/5 — Nefunkční.

*2025-02-08, version 76.1.0*

Neustále hlásí chybu při aktivaci. Nelze aktivovat ani pres internet banku.

### 3/5 — App crashes on start

*2024-10-10, version 73.1.0*

App worked well until some time ago. Now on an iPad (iPad Air 2023, iPadOS 18) it repeatedly crashes on start and cannot be used at all. It works fine on an iPhone 14 (iOS 17). Maybe some OS18-related bug?

## Frequently asked questions about MONETA Smart Banka

### What can I do with the MONETA Smart Banka app?

The app allows you to manage your bank accounts from your phone. You can open a checking account without visiting a branch, check balances, make payments, top up credit, view transactions, manage cards, and find nearby ATMs. It also provides overviews of loans and investments.

### Is the MONETA Smart Banka app free to use?

Yes, both downloading and using the MONETA Smart Banka app are completely free of charge. There are no hidden costs associated with its basic functionalities for managing your accounts and performing transactions.

### How do I log in and confirm payments in the app?

You can log in using a PIN or via Touch ID. Your PIN is also used to confirm payment orders, eliminating the need for separate mobile confirmations. The PIN is a 4-8 digit number that only you know, ensuring secure access.

### What security measures are in place for the app?

The app employs robust security measures to protect your data. Logging in and payment orders are secured by a personal PIN and Touch ID. Additionally, the app uses encrypted communication with the bank servers to prevent digital attacks.

### Can I manage different types of accounts with this app?

Yes, the app supports managing various user accounts, including private, company, or eDisponent accounts. This allows for comprehensive financial management for individuals and businesses alike.

## Version history (last 5 releases)

### 94.2.0 — 2026-08-21

This update contains minor bug fixes and improves the stability and accessibility of the app.

### 94.1.0 — 2026-08-20

This update contains minor bug fixes and improves the stability and accessibility of the app.

### 94.0.0 — 2026-07-28

This update contains minor bug fixes and improves the stability and accessibility of the app.

### 93.1.0 — 2026-07-09

This update contains minor bug fixes and improves the stability and accessibility of the app.

### 93.0.0 — 2026-06-30

This update contains minor bug fixes and improves the stability and accessibility of the app.

## Apps similar to MONETA Smart Banka

| App | Rating | Price | Category |
| --- | --- | --- | --- |
| [KB Klíč](https://appshunter.io/ios/app/kb-klic/id1322359766) | 4.7 (124) | Free | Finance |
| [KB Mobilní banka](https://appshunter.io/ios/app/kb-mobilni-banka/id447750755) | 4.0 (42) | Free | Finance |
| [Smart Banking](https://appshunter.io/ios/app/smart-banking/id468057018) | 4.6 (418) | Free | Finance |
| [ČSOB Smart klíč](https://appshunter.io/ios/app/csob-smart-klic/id990273436) | 4.3 (32) | Free | Finance |
| [ČSOB Smart](https://appshunter.io/ios/app/csob-smart/id1528483245) | 4.8 (727) | Free | Finance |
| [Fio Smartbanking CZ](https://appshunter.io/ios/app/fio-smartbanking-cz/id1451236597) | 4.1 (40) | Free | Finance |

## More apps by MONETA Money Bank, a.s

- [MONETA AUTOgram](https://appshunter.io/ios/app/moneta-autogram/id1324524975)
- [MONETA Tom Samolepky](https://appshunter.io/ios/app/moneta-tom-samolepky/id1444209610)

All apps by MONETA Money Bank, a.s: https://appshunter.io/developer/483589701

## Related topics

[moneta](https://appshunter.io/ios/topics/moneta)

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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 2026-08-27.*