Free

Details

  • Released
  • Updated
  • October 7, 2011
  • August 6, 2026

Features

Smart Banking screenshot #1 for iPhone
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About

Manage your bank accounts securely and conveniently from your mobile device. Perform payments, manage standing orders, and control your cards. Features include biometric login, card management, and ATM/branch locators.

Secure login with PIN or biometrics
Make and manage payments
Activate/block debit and credit cards
Adjust card daily limits
Mobile top-ups
ATM and branch locator
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What users say

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+1

What's New in Smart Banking

26.4.51

August 6, 2026

What have we prepared for you in the new version? • Instant payments with future date • We have made a series of improvements

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User reviews

Could be worse, but barely

The UI/backend feels slow and just-submitted payment does not show up in the history. When taking longer (5-10 mins?) to enter payment details, the app shows an error “WBS:IP10110” or “Uživatel není oprávněn k podpisu” after entering my PIN, but despite the error message, one of the payments went through so I accidentally paid twice, assuming the current payment history can be trusted.
Also, the app has forced updates from time to time (often at the least convenient time) and “App Support” link in App Store is broken.
I can imagine a worse experience and the app mostly works on stock iOS (hence 2 stars) but there is quite some room for improvement.
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Response from developer

Hi, if your problém persists, please reach us via +420 221 210 031 or form: https://www.unicreditbank.cz/en/obcane/formulare/kontaktni-formular-appstore.html. We need more information about this issue to proper investigation.

10 let pouzivani

Jsem zakaznikem Unicredit banky jiz 10 let a jejich apku tedy pouzivam nemene dlouho. Za tu dobu prosla aplikace mnoha zmenami, ktere byly vzdy k lepsimu. Libi se mi, ze prostredi apky je prehledne, jednoduche, clovek se na minimum kliku dostane tam, kam potrebuje. Pro zakladni vec jako odeslani platby nebo treba zablokovani ztracene karty plati totez. Verze apky je nadmiru stabilni, za tech 10 let mi spadla jednou, maximalne 2x. V posledni dobe mam i osobni stesti, ze se mi dari netrefit se do planovanych odstavek bankovnictvi, ktere banka dava take uzivatelum jasne a predem znat prave skrze info v aplikaci.
Velke plus za seznam partneru a slev v casti U-setrete.
O hvezdicku mene davam jen z motivacnich duvodu, aby banka a jeji vyvojari neusnuli na vavrinech a dale na apce pracovali a rozvijeli ji spravnym smerem, ktery predci konkurenci.
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Response from developer

Dobrý den Petře, děkujeme za milou zpětnou vazbu. Velmi si toho vážíme. S pozdravem, UniCredit Bank.

Nepřehledné peklo

Vaše apka je suverénně nejhorší ze všech co bank u kterých mám účty. Jejím tvůrcům evidentně slovo “user friendly “ nic neříká. Účet jsem ještě nezrušil pouze díky výhodnému kontokorentu. V jednoduchosti je krása. Doporučuji se inspirovat u Fiobanky. M.Š.

Response from developer

Dobrý den, děkujeme vám za vaši zpětnou vazbu. Hezký den vám přejeme.

review

Overall nice and clean interface, but the corresponding speed of in-app clicks is slow and the wait time to enter the software is long. Wish it was easier to make money between personal accounts, and if it had a dark mode it would be even better.

Response from developer

Thank you for your review!

Easy to review

A truly bilingual app with intuitive navigation that makes banking easy.

Response from developer

Thank you for your review!

Developer apps

User experience

🐞

Reported Bugs

15 issues

UI/backend feels slow

Bug

Just-submitted payment does not show up in the history

Bug

App shows error “WBS:IP10110” or “Uživatel není oprávněn k podpisu” after entering PIN

Bug

Accidental double payments due to error messages

Bug

Forced updates from time to time

Bug

“App Support” link in App Store is broken

Bug

Corresponding speed of in-app clicks is slow

Bug

Wait time to enter the software is long

Bug

App activation is absolutely horrible

Bug

PIN requirements went crazy

Bug

Doesn’t work with latest IOS, no screen activation possible

Bug

Doesn’t work with the latest version of iOS . It crashes before even log in!

Bug

App stopped working after update and iOS 11.02

Bug

App doesn't work with iOS update 10.3.1. After login app just crashes.

Bug

App decided to stop letting me log in. It just says “please wait” forever.

Bug

Requested Features

5 requests

Dark mode option

Feature

Easier money transfer between personal accounts

Feature

Feature to help manage being in the red

Feature

Improved chat functionality

Feature

Re-establish partnership with Lufthansa Miles & More

Feature

FAQ

What can I do with the Smart Banking app?

The app allows you to manage your bank accounts from your phone. You can enter payments, create and edit standing orders, pay credit cards, and activate debit cards. It also offers features like temporarily blocking/unblocking cards, adjusting card limits, and topping up mobile credit.

How secure is the Smart Banking app?

Access to the application and payment signatures are protected by your PIN code or biometric data such as Touch ID or Face ID. The app also includes Smart Key for secure authorization of payments and other orders.

How do I activate the Smart Banking app?

Activation is a simple process. Download the application and activate it using your Username and PIN. If you don't have this data but are a UniCredit Bank client, you can obtain it directly within the application.

What if I forget my login credentials?

If you forget your credentials, you can reset them using a photo of your ID and a selfie video. The application will guide you through the entire reset process.

Is the Smart Banking app free to use?

Yes, the application is free to download and use. There are no charges mentioned for basic banking functions, card management, or accessing account statements.