# VÚB Banking

> Mobile banking app for managing finances, cards, and loans with secure features. (iPhone/iPad app by Vseobecna uverova banka, a.s..)

- Source: https://appshunter.io/ios/app/vub-banking/id1560712486 (this page in markdown: same URL + `.md`)
- Developer: [Vseobecna uverova banka, a.s.](https://appshunter.io/developer/645513420)
- Category: Finance, Business
- Price: Free
- Rating: 3.00/5 from 44 App Store ratings · 89 written reviews indexed
- Age rating: 4+
- Requires: iOS 13.0 · 216 MB
- Languages: English, Slovak
- Released: 2024-02-19
- Data updated: 2026-08-25
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/vub-banking/id1560712486/reviews.md

## What is VÚB Banking?

This application is available for clients approached by bank. 
New VÚB Banking application brings secure and clear access to your complete finances, cards and loans. The application brings many novelties, such as more secure login using a digital code, the possibility of logging in multiple clients on one device, or even easier withdrawals from an ATM. In addition, the application is clear and intuitive, with the possibility of adapting it to your own needs. 

Most popular features:
#withCASH - possibility to withdraw money from an ATM without the need of a plastic card
#withKEY - safest way to authorize transactions with one time use digital code 
SEPA instant payments - online payments to selected banks in Slovakia

## Key features

- Cardless ATM withdrawals
- Secure digital code login
- Multi-client login on one device
- Instant SEPA payments
- Customizable interface

## What do users think of VÚB Banking?

Overall sentiment: negative

**Pros**

- 🎨 Modern visual design and interface refresh
- 🔒 Enhanced security features (6-digit PIN, card locking)
- ⚡ Quick payment notifications
- 📱 Responsive design for mobile devices

**Cons**

- 🐢 Extremely slow performance and loading times
- 🗺️ Confusing and chaotic navigation
- 📉 Significant loss of features from previous app
- 🔄 Unreliable transaction history and delayed updates
- ❌ Missing business account support
- 🔔 Broken or delayed push notifications
- 📊 Poor information density and cluttered layout
- 🚫 Difficult account and payment management
- 💔 Forced migration from working legacy app
- 🔐 Activation and reactivation issues
- ⚠️ Multiple bugs and crashes
- 🌐 Limited language options

**Commonly reported bugs**

- App crashes on startup and during transactions
- Notifications arrive hours late or multiple times
- Payments not showing in real-time or for days
- Cannot change ATM withdrawal limits
- Push notifications still route to old app
- Cannot activate on multiple devices
- QR code scanning fails frequently
- App freezes and requires reactivation
- Account reactivation doesn't work properly
- Cannot copy account numbers easily
- Credit card payment shows 0 amount
- Floating panel covers half the screen
- Filters don't work properly
- Camera access prompt appears repeatedly
- Data migration from old app incomplete
- Payment confirmation notifications unreliable
- Cannot pair with internet banking
- Hamburger menu navigation issues on iOS

**Most requested features**

- Dark mode option
- Pending/planned transactions overview in one place
- Quick access payment button on home screen
- Account balance display on main screen
- Batch notification management
- Multi-device support
- Business account integration
- Ability to change payment limits in app
- Personalized account naming
- Transaction balance display at point of payment
- Viamo quick money sending feature
- Card statistics and details in unified view
- Lazy loading and caching for performance
- Automatic login option
- Better IBAN/account number copying
- English language support
- Investment portfolio visibility
- Standing order monthly summary

## Recent user reviews (10 of 89)

All indexed reviews: https://appshunter.io/ios/app/vub-banking/id1560712486/reviews.md

### 1/5 — Najhorsia banking app

*2026-05-11, version 8.2.291*

Chcem spravit platby, ale vasa Nemozna app len freeze a nic sa neda poslat.

### 3/5 — Needs improvement

*2026-04-16, version 8.2.20*

I have been using this internet banking system fir many years. It needs a lot if improvement. Payments are difficult as well as finding desired account numbers. Simple transfers between my own accounts requires me to post my account numbers to WhatsApp and then cooy from there. One of the worst banking systems I have ever used, full of unnecessary information and almost impossible to realise simple transactions. Downloaded ststements in csv also bad, full of unnecessary nonsense. VUB should invest in better IT Engineering.

### 2/5 — Nedorozumenia a zašifrované definície

*2026-04-02, version 8.2.20*

Sú veľmi nepresne definované pojmy. Čo je to push notifikácia? Neexistuje slovenský equivalent? Alebo myslite wifi notifikácia? Ďalej čo je to #withKey? Prečo to rovno nenazvete Digitálny kód? Je zo mätúce a nepresné. …. Predstavte si, že prídete do zahraničnej banky cez dovolenku, a tam Vám dajú inštrukcie, ktoré neviete rozšifrovať. Toto je podobne.

### 1/5 — Appka

*2026-03-17, version 8.1.719*

Po zadaní pin appka vyhodnotila že nemôže ma informovať či platba prešla alebo nie.

### 1/5 — No business banking

*2026-03-01, version 8.1.719*

Useless without business banking

### 2/5 — Nič moc pre niekoho, kto je zvyknutý na lepšiu aplikáciu banky

*2026-01-16, version 8.1.472*

Platby kartou sa nezobrazia aj niekoľko dní, iba sa aktualizuje zostatok na účte. Je to dosť otravné vidieť ako klesá zostatok a nevedieť si pozrieť za čo a koľko som platila. Celkovo je prehľad transakcií trošku nekomfortný.  A veľmi mi chýba jedna základná funkcia - bolo by fajn aby sa pri každej jednej transakcii zobrazil aj daný aktuálny zostatok

### 1/5 — Nič horšie sa už nedalo zostaviť, 10krokov naspäť. Zlý prehľad platieb, rozbitý layout, hrozné

*2026-01-09, version 8.1.472*

Nič horšie sa už nedalo. 10 krokov naspäť toto. Otrasný prehľad platieb, rozbitý layout, chaotické, tatko sa vyhľadáva základná informácia, neposkytuje prehľad príkazov, strašné!!

### 1/5 — Nightmare

*2025-12-19, version 8.1.472*

Lived in few countries, used apps from many banks, good and bad, but this level of disaster is beyond the worst app experiences I ever had. Not surprised though because it somehow matches to overall frustrating experience with VUB - combination of incompetence and true Italian chaos. Things do not work and they dont care, because la dolce vita :(

### 1/5 — …

*2025-12-08, version 8.1.166*

Aplikacia sa neda pripojit na viac zariadeni!!!

### 1/5 — How to lose track of your finances

*2025-12-08*

If you don’t need to have an overview of your bank accounts and payments( filter doesn’t work either) this app is perfect for you! Why is VÚB trying to achieve?

**Developer response:** Dobrý deň, ďakujeme za Vašu spätnú väzbu. Mrzí nás Vaša nespokojnosť. Aj na základe podnetov od našich klientov sa snažíme našu aplikáciu neustále vylepšovať. Pevne veríme, že v blízkej budúcnosti budeme schopní splniť Vaše užívateľské očakávania. Ďakujeme a želáme Vám pekný deň.

## Frequently asked questions about VÚB Banking

### What does the VÚB Banking app do?

This application provides secure and clear access to your complete finances, including cards and loans. It allows for managing your accounts, authorizing transactions, and making payments directly from your mobile device.

### What are the key features of this banking app?

Key features include #withCASH for cardless ATM withdrawals, #withKEY for secure transaction authorization using a digital code, SEPA instant payments for online transfers, and the ability to log in multiple clients on a single device. The interface is also customizable.

### Is this banking app free to use?

Based on the provided information, the application is available for free. There are no mentions of subscription fees, in-app purchases, or advertisements, suggesting it is a complimentary service for bank clients.

### Who is this banking app intended for?

This application is designed for clients who have been approached by the bank. It offers a convenient and secure way for them to manage their financial needs, including access to their accounts, cards, and loans.

### How does the  withKEY feature enhance security?

The #withKEY feature provides the safest way to authorize transactions. It utilizes a one-time use digital code, ensuring that each authorization is unique and secure, thereby protecting your financial activities from unauthorized access.

## Version history (last 5 releases)

### 8.2.7.67 — 2026-06-18

- Minor adjustments and improvements

### 8.2.291 — 2026-04-22

- Minor adjustments and improvements

### 8.2.20 — 2026-03-19

- Minor adjustments and improvements

### 8.1.719 — 2026-02-17

- Minor adjustments and improvements

### 8.1.472 — 2025-12-18

- Minor adjustments and improvements

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## More apps by Vseobecna uverova banka, a.s.

- [VÚB VIAMO](https://appshunter.io/ios/app/vub-viamo/id645513417)
- [VÚB Mobilný Token](https://appshunter.io/ios/app/vub-mobilny-token/id657340006)
- [VÚB Mobile Banking](https://appshunter.io/ios/app/vub-mobile-banking/id738364348)

All apps by Vseobecna uverova banka, a.s.: https://appshunter.io/developer/645513420

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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.*