# Smart Banking — user reviews

> 30 indexed App Store user reviews of Smart Banking by UniCredit Bank Czech Republic and Slovakia, a.s., rated 4.60/5 from 418 ratings.

- Source: https://appshunter.io/ios/app/smart-banking/id468057018/reviews
- App overview in markdown: https://appshunter.io/ios/app/smart-banking/id468057018.md
- Rating breakdown: 5★ 347 · 4★ 33 · 3★ 7 · 2★ 7 · 1★ 24

## 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

## Newest reviews (10 of 30)

### 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.

### 4/5 — Slouží dobře

*2023-12-06*

Používám aplikaci již řadu let a v základu vždy fungovala. Rozšířené funkce by se dali vylepšit ale co je třeba vyzdvihnout, tak si nevšimne te reklami. Nabízení zbytečných úvěru, spoření, investic si v aplikaci nevšimne te. To je u konkurence daleko horší.

### 4/5 — Super easy!

*2023-06-02, version 5.33.42*

The app is super easy to use. Everything is well organised and lean.

The only issue is the chat which could use some more work.

### 5/5 — Wow

*2022-04-02*

Nice functionalities, see your progress!

**Developer response:** Thank you very much!

### 5/5 — Works well.

*2020-09-21*

New version is great. Well done to the iOS team. Prior app was horrible. This new app is wonderful.

### 5/5 — Doesn’t work!

*2017-10-10, version 2.40.10*

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

### 2/5 — Can't login

*2017-10-09, version 2.40.10*

With the latesc app update and Ios 11.02 the app stopped working

### 1/5 — Doesn't work with 10.3.1

*2017-04-25, version 2.16.7*

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

### 5/5 — Good

*2011-11-05*

Very smart app and service

## Most critical reviews (10 lowest-rated)

### 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.

### 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.

### 1/5 — Doesn’t work

*2022-10-05, version 5.32.52*

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

### 1/5 — 🤦‍♂️

*2021-08-19*

App activation is absolutelly horrible

**Developer response:** Hello, please fill out our customer help form and we will call you as soon as possible with a solution. Please leave your contact information here: https://www.unicreditbank.cz/cs/appstore. Or you can contact our customer service at number +420 221 210 031, our colleagues will help you out.

### 1/5 — PIN requirements went crazy!

*2021-06-02*

There are so many requiremnts for pin that it is basically weakening the security. 

For example 25360825 is not allowed!
253608 is allowed. 

Your security guys should be fired.

**Developer response:** Hello, we are sorry to hear that you are not satisfied. We do our best to make the app as user-friendly as possible for our clients. We are constantly trying to improve the application. Changes in functionality occur only because of improvements. We welcome your comments. Thank you

### 1/5 — Not working

*2018-12-20*

Everything was fine up till today when the app decided to stop letting me log in. It just says “please wait” forever.

### 1/5 — Nefunguje

*2018-06-20*

Bezpecnost vlajkou??? Zdrzuje, nefunguje a je to jedno ...

**Developer response:** Dobrý den, vlajka je jedním z bezpečnostních prvků, které používáme. A o bezpečnost našich uživatelů, resp. jejich dat a finančních prostředků, nám jde především.

### 1/5 — Worst - NOT SMART banking

*2018-02-27*

First, I am new here and I speak English and I CANNOT UNDERSTAND why there is no option to switch to English until you get into the app. There is NO excuse that I will accept for this. I am your customer. I speak a common language. Give me this option. Secondly, I have had to erase and reconfigure the app FOUR times in the six months that I have been a Unicredit customer. Unacceptable. I have to waste my time and my banker's time to send me codes. And if I call on the phone for support, I must wait two DAYS for someone to call me back.

### 1/5 — The worst excuse for a banking app

*2017-12-19*

The absolute worst banking app in the Czech Republic. I regret moving accounts to this bank. Time to cancel my accounts

### 1/5 — Increase the pool size

*2017-10-10*

Nothing works

## Most praised reviews (10 highest-rated)

### 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!

### 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.

### 5/5 — Unicredit smart appku doporučuji

*2023-12-06, version 5.39.34*

Unicredit smart banking funguje bezproblémově. Aplikace rychle nabíhá a je uživatelsky docela přívětivá.

### 5/5 — Super aplikace

*2023-12-05*

Když potřebuji někomu poslat peníze nebo se jen podívat kolik jsem utratil a za co, stačí 10s a vidím. Žádný dlouhý těžký přihlašování nebo psaní kódu co jsem dostal do sms a podobně. Dokonce vytvořili widget, který ukazuje kolik mám na účtu. 

Když je odstávka aplikace, tak to dávají vědět dopředu a většinou se to stává v noci v čase nejmenšího provozu.

### 5/5 — Easy and intuitive

*2023-11-14, version 5.38.88*

Very easy to use, intuitive arrangement of all functions. That’s how the mobile banking should look like!

### 5/5 — Super aplikace. Super banka.

*2022-12-05*

Škoda, že již nespolupracují s Lufthansou Miles More

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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.*