# MONETA Smart Banka vs ČSOB Smart

The clearest difference is monetization model: MONETA Smart Banka at free against ČSOB Smart's free with in-app purchases. MONETA Smart Banka also leads on review sentiment (53% vs 37%) and update cadence (every 10 days vs monthly). On price, rating, ratings volume and ads 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 ČSOB Smart. Both are backed by a comparable volume of ratings — 496 and 756 respectively. Written reviews are what separate them: 53% of MONETA Smart Banka's written reviews are positive against 37% of ČSOB Smart's.

MONETA Smart Banka ships an update every 10 days, ČSOB Smart monthly. The most recent releases landed on November 1, 2026 and October 24, 2026 respectively.

## The numbers

| Metric | MONETA Smart Banka | ČSOB Smart |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (496 ratings)](https://appshunter.io/ios/app/moneta-smart-banka/id1122443334/reviews)** | [4.8 (756 ratings)](https://appshunter.io/ios/app/csob-smart/id1528483245/reviews) |
| Number of ratings | 496 | **756** |
| Positive reviews | **53.1% of reviews** | 36.9% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 10 days** | Monthly |
| Monetization | **Free** | Free with in-app purchases |
| Size | 399 MB | 300 MB |
| Requires iOS | **16.0** | 16.4 |
| Devices | **iPhone, iPad, Mac, Apple TV, Apple Watch** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [MONETA Money Bank, a.s](https://appshunter.io/developer/483589701) | [Československá obchodní banka, a.s.](https://appshunter.io/developer/479852418) |

## 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


### ČSOB Smart

[App page](https://appshunter.io/ios/app/csob-smart/id1528483245)

Manage your entire banking and insurance needs from your mobile device. Open new accounts, track all your finances, make payments, and handle insurance claims and policies with ease. Securely access your accounts and customize your experience.

**Highlights:** Open new accounts, Track account balances, Scan and pay invoices, Manage loans and mortgages, Control bank cards, Arrange insurance and loans, Manage insurance contracts

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 👍 Consistent app design
- 🚀 Reliable and stable
- 💡 Useful features like Kate assistant

**What reviewers complain about**

- 🐛 Frequent crashes and login issues
- ⏱️ Slow performance and long loading times
- 🤔 Confusing UI and navigation
- 🤯 Forced updates and compatibility issues

**Reported bugs**

- Disappearing account balances and interest payments
- Payments not processed immediately
- Repeated login failures

**Requested features**

- Add support for older iOS versions
- Improve transaction history and search
- Introduce more language options
- Provide iPad-optimized layout


## Frequently asked questions

### Is MONETA Smart Banka free?

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

### Is ČSOB Smart free?

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

### Which has better reviews, MONETA Smart Banka or ČSOB Smart?

MONETA Smart Banka is rated higher. MONETA Smart Banka averages 4.8 out of 5 from 496 ratings, while ČSOB Smart averages 4.8 from 756 ratings.

### Do MONETA Smart Banka or ČSOB Smart have ads?

Neither MONETA Smart Banka nor ČSOB Smart shows ads.

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

MONETA Smart Banka ships an update every 10 days, and ČSOB Smart monthly. Most recently, MONETA Smart Banka was updated on November 1, 2026 and ČSOB Smart on October 24, 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.*