# Smart Banking

> Secure mobile banking app for payments, card management, and account access. (iPhone/iPad app by UniCredit Bank Czech Republic and Slovakia, a.s..)

- Source: https://appshunter.io/ios/app/smart-banking/id468057018 (this page in markdown: same URL + `.md`)
- Developer: [UniCredit Bank Czech Republic and Slovakia, a.s.](https://appshunter.io/developer/468057021)
- Category: Finance
- Price: Free
- Rating: 4.60/5 from 418 App Store ratings · 30 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.0 · 708 MB
- Languages: American English, Czech
- Released: 2011-10-07
- Data updated: 2026-08-15
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/smart-banking/id468057018/reviews.md

## What is Smart Banking?

With Smart Banking you always have your bank at your fingertips. The application is user-friendly and most of all secure. It enables you to enter payments, create and edit standing orders, pay a credit card, or activate a debit card. Access to the application as well as payment signatures are protected by your PIN code or biometric data (Touch ID / Face ID).

Smart Banking also includes Smart Key, which you can use to authorize payments and other orders entered in Online Banking, both online and offline. In online mode using push notifications and in offline mode by scanning QR codes. You can also easily change your credentials. In case you forget your credentials, you can reset them using a photo of your ID and a selfie video. The application itself will guide you through the reset.

But the application can do many more things!

• Learn about what’s going on in your account after you turn on Push Notifications.
• Have you lost a credit or debit card? You can simply temporarily block and unblock the card for free in the app.
• You can adjust the daily limit for credit and debit card according to your needs.
• Add credit to your mobile phone with a few clicks.
• Check your account balance even without signing into the app with the Widget
• You can also make a payment by scanning a QR code (QR payment).
• In Online Banking you can use the Payment templates and stored Beneficiaries in the Smart Banking application.
• Account statements, statements for credit cards and other documents can be found in Documents.
• Get an instant overview of currency rates.
• Are you searching for an ATM or UniCredit Bank branch? You can quickly find them in the application.


How to activate the app?

We have prepared a simple and unified activation process for you. Simply download the application and activate the application by using your Username and PIN. If you do not have this data, but you are a Client of UniCredit Bank, you can obtain it directly in the application.

## Key features

- 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

## What do users think of Smart Banking?

Overall sentiment: mixed

**Pros**

- 👍 Intuitive and clean interface
- 🚀 Fast payments and transfers
- 👍 Easy to navigate
- 🔒 Strong security features
- 👍 Bilingual app functionality
- 👍 Useful widget for account balance
- 👍 Clear communication about planned outages
- 👍 Good overview of spending categories
- 👍 No intrusive ads/loan offers
- 👍 Stable and reliable over time (for some users)
- 👍 Good for managing finances in one place
- 👍 Smart banking experience

**Cons**

- 🐛 Slow UI/backend performance
- 🐛 Submitted payments not showing in history
- 🐛 App shows errors during payment entry
- 🐛 Accidental double payments due to errors
- 🐛 Forced updates at inconvenient times
- 🐛 Broken App Store support link
- 🐛 Unintuitive and confusing interface (for some users)
- 🐛 Long wait times for app interaction
- 🐛 App activation process is difficult
- 🐛 PIN requirements are overly complex/weakening security
- 🐛 App crashes on newer iOS versions
- 🐛 App not working with latest iOS
- 🐛 Login issues ('please wait' forever)
- 🐛 App crashes after login on older iOS versions
- 🐛 App doesn't work with iOS 10.3.1
- 🐛 No English option until login (for new users)

**Commonly reported bugs**

- UI/backend feels slow
- Just-submitted payment does not show up in the history
- App shows error “WBS:IP10110” or “Uživatel není oprávněn k podpisu” after entering PIN
- Accidental double payments due to error messages
- Forced updates from time to time
- “App Support” link in App Store is broken
- Corresponding speed of in-app clicks is slow
- Wait time to enter the software is long
- App activation is absolutely horrible
- PIN requirements went crazy
- Doesn’t work with latest IOS, no screen activation possible
- Doesn’t work with the latest version of iOS . It crashes before even log in!
- App stopped working after update and iOS 11.02
- App doesn't work with iOS update 10.3.1. After login app just crashes.
- App decided to stop letting me log in. It just says “please wait” forever.

**Most requested features**

- Dark mode option
- Easier money transfer between personal accounts
- Feature to help manage being in the red
- Improved chat functionality
- Re-establish partnership with Lufthansa Miles & More

## Recent user reviews (10 of 30)

All indexed reviews: https://appshunter.io/ios/app/smart-banking/id468057018/reviews.md

### 2/5 — Could be worse, but barely

*2025-10-05*

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.

**Developer response:** 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.

### 4/5 — 10 let pouzivani

*2024-11-24*

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.

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

### 1/5 — Nepřehledné peklo

*2024-11-18*

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.

**Developer response:** Dobrý den, děkujeme vám za vaši zpětnou vazbu. Hezký den vám přejeme.

### 5/5 — review

*2024-11-17*

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.

**Developer response:** Thank you for your review!

### 5/5 — Easy to review

*2024-11-16*

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

**Developer response:** Thank you for your review!

### 1/5 — Contest with perverse incentive

*2024-11-14*

I actually think this is a fairly decent banking app and I’d probably give it 4 or 5 star rating, but the bank has a contest that gives a prize for the 10 most original comments about the app, and the contest requires the user to leave their full name and surname in the review to get the prize. I am an economist and I consider this a great example of a poorly designed incentive that will likely cause the opposite of their intended design, like this 1 star rating.

If the terms of the contest about most the most original comments, then I should surely be a winner. However, my guess is that the decision about who they choose as the winners will be as a bad as the contest design and I won’t win, but this is my shot in the dark…

Bill Appleman, PhD, MBA
Professor of Economics

**Developer response:** Hello Bill, thank you for your review. Have a good day.

### 5/5 — Super aplikace

*2024-11-13*

Když potřebuji někomu poslat peníze nebo se jen podívat, kolik jsem utratil a za co, trvá to pár sekund. Aplikace nevyžaduje zdlouhavé přihlašování ani zadávání kódů z SMS. Navíc vytvořili widget, který hned ukazuje, kolik mám na účtu. Při plánované odstávce nás včas informují, a navíc ji většinou naplánují na noční hodiny, kdy je provoz minimální.

**Developer response:** Dobrý den, děkujeme za vaši zpětnou vazbu. S pozdravem, UniCredit Bank

### 5/5 — Samaneh Azizi

*2024-11-07, version 5.45.53*

Absolutely love this app! It’s so convenient to manage all my finances in one place. The interface is intuitive, and the security features give me complete peace of mind. It’s also a huge time-saver to be able to pay bills, transfer funds, and even monitor my spending patterns right from my phone. Highly recommend!

### 5/5 — Smart Banking

*2024-11-04*

Používanie Smart Banking appky je ako mať banku vo vrecku – a ešte k tomu bez otravných front a papierovačiek! Stačí pár kliknutí a peniaze sú tam, kde potrebujem (no kto by to nemiloval?). Vždy keď sa mi objaví notifikácia o aktualizácii, hovorím si: ‘Čo zas pre nás UniCredit vymyslel?’ A zakaždým ma niečím prekvapia! Mám pocit, že ma táto appka pozná lepšie ako ja sám. Ak by ešte pridali funkciu, ktorá mi napovie, ako sa dostať z večného mínusu, tak im rovno pošlem tortu. Jednoznačne odporúčam, táto appka proste šľape!

### 5/5 — Jednoduchá, efektivní a uživatelsky přívětivá aplikace

*2023-12-07, version 5.39.34*

SmartBanking je zkrátka appka, bez které se neobejdete, máte-li účet u Unicredit Bank. Díky červené barvě, ji v telefonu najdete. Je přehledná, jednoduchá, graficky pěkně zpracovaná a zkrátka uživatelsky přívětivá. Naleznete tam vše, co potřebujete a pokud ne, snadno zde naleznete informaci, na koho a jak se obrátit. Pokud máte více účtů v různých měnách, velmi lehce mezi nimi můžete přepínat. O svých financích máte díky aplikaci skvělý přehled. Už není potřeba ruční zapisování útrat, jak to dělávaly, nebo stále ještě dělají, předešlé generace. Aplikace rozezná, do jakých kategorií váš nákup spadá. Pokud se splete nebo ho chcete označit jako ještě podrobnější podkategorií, lze to ručně změnit pouhým kliknutím. Máte díky tomu přehled, zda se často stravujete v restauracích, nakupujete mnoho oblečení či cestujete. SmartBanking je velmi dobrý pomocník pro přehled o finančních a nakládání s nimi. Mohu tuto aplikaci doporučit.

## Frequently asked questions about Smart Banking

### 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.

## Version history (last 5 releases)

### 26.4.51 — 2026-08-06

What have we prepared for you in the new version?

• Instant payments with future date
• We have made a series of improvements

### 26.3.1018 — 2026-06-19

What have we prepared for you in the new version?

• The minimum supported operating system version is iOS 15.
• We have made a series of improvements.

### 26.3.58 — 2026-06-10

What have we prepared for you in the new version?

• The minimum supported operating system version is iOS 15
• We have made a series of improvements

### 26.2.47 — 2026-04-20

What have we prepared for you in the new version?

• We have added the name and contact informations of your banker
• We have made a series of improvements

### 26.2.46 — 2026-04-01

What have we prepared for you in the new version?

• We have added the name and contact informations of your banker
• We have made a series of improvements

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## More apps by UniCredit Bank Czech Republic and Slovakia, a.s.

- [Business Smart Banking](https://appshunter.io/ios/app/business-smart-banking/id1483944913)

All apps by UniCredit Bank Czech Republic and Slovakia, a.s.: https://appshunter.io/developer/468057021

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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 2026-08-15.*