# MONETA Smart Banka vs Skip Pay

The clearest difference is ratings volume: MONETA Smart Banka at 495 against Skip Pay's 4. MONETA Smart Banka also leads on monetization model (free vs ad-supported) and device support (5 vs 3). On price, rating, review sentiment and update cadence there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

On the App Store both sit at effectively the same score — 4.8 for MONETA Smart Banka against 4.8 for Skip Pay. That said, the two scores are not equally well evidenced: MONETA Smart Banka has 495 ratings behind it against 4, so its average is the more settled of the two. Written reviews are what separate them: 53% of MONETA Smart Banka's written reviews are positive against 60% of Skip Pay's.

Both ship on a similar rhythm, roughly every 10 days. Both last shipped on October 26, 2026.

## The numbers

| Metric | MONETA Smart Banka | Skip Pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (495 ratings)](https://appshunter.io/ios/app/moneta-smart-banka/id1122443334/reviews)** | [4.8 (4 ratings)](https://appshunter.io/ios/app/skip-pay/id1450758826/reviews) |
| Number of ratings | **495** | 4 |
| Positive reviews | 52.5% of reviews | **60.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 10 days | Every 10 days |
| Monetization | **Free** | Ad-supported |
| Size | 375 MB | 100 MB |
| Requires iOS | 16.0 | **15.0** |
| Devices | **iPhone, iPad, Mac, Apple TV, Apple Watch** | iPhone, iPod, Apple Watch |
| Age rating | 4+ | 4+ |
| Developer | [MONETA Money Bank, a.s](https://appshunter.io/developer/483589701) | [Skip Pay s.r.o.](https://appshunter.io/developer/1450758825) |

## What reviewers say

### MONETA Smart Banka

[App page](https://appshunter.io/ios/app/moneta-smart-banka/id1122443334)

Manage your bank accounts conveniently from your phone with this free mobile banking application. Open accounts remotely, check balances, make payments, and access various banking services securely. It offers features like card management, loan overviews, and ATM locators.

**Highlights:** 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

**Features:** Apple Wallet, Apple Watch app, iMessage stickers, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 User-friendly and simple
- 🚀 Fast and efficient
- 💯 Reliable and stable (historically)
- ✨ Modern design (for some)
- ✅ Many useful features

**What reviewers complain about**

- 🐛 App crashes frequently
- 🐌 Slow loading times
- 😵 Messy and hard to navigate
- ❌ Unreliable, often not working
- 🫥 Login issues and errors

**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

**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


### Skip Pay

[App page](https://appshunter.io/ios/app/skip-pay/id1450758826)

Manage all your purchases, activate a virtual card, and view your PIN.  Enjoy benefits like paying up to 50 days later, splitting payments, and earning rewards.

**Highlights:** Manage all purchases in one place, Activate virtual card, View PIN anytime, Check loyalty balance and redeem points, Pay up to 50 days later, Split payments into installments, Send money to any Czech account

**Features:** Apple Watch app, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is MONETA Smart Banka free?

MONETA Smart Banka is free to download, with no in-app purchases.

### Is Skip Pay free?

Skip Pay is free to download, with no in-app purchases.

### Which has better reviews, MONETA Smart Banka or Skip Pay?

MONETA Smart Banka is rated higher. MONETA Smart Banka averages 4.8 out of 5 from 495 ratings, while Skip Pay averages 4.8 from 4 ratings.

### Do MONETA Smart Banka or Skip Pay have ads?

Neither MONETA Smart Banka nor Skip Pay shows ads.

### Which is updated more often, MONETA Smart Banka or Skip Pay?

MONETA Smart Banka ships an update every 10 days, and Skip Pay every 10 days. Most recently, MONETA Smart Banka was updated on October 26, 2026 and Skip Pay on October 26, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*