MONETA Smart Banka vs Partners
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
MONETA Smart Banka
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.
- 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
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Smart Banka app is a free mobile banking app which offers quick and easy way to manage your bank accounts from your phone. You can open our Tom checking account without the need to visit one of our branches. You will have easy access to our services, check your balance, make payments, top up your credit, or find the nearest branch. You can log in using a PIN or via Touch ID. Your PIN will also be used to confirm payment orders which eliminates the need for mobile confirmation. Both downloading and using the app is completely free of charge. How to? Download the app from your App Store, pair with your Internet Banka using the instructions within the app, and start using it. Is it safe? Yes. Digital attacks are very complicated. Logging into the app and payment orders are protected by 4-8 digit PIN number which only you know. Smart Banka also uses encrypted communication with the bank servers. What will you find in the Smart Banka app? • Option to open a checking account without visiting our branch • All your current balances including Bene+ • Transactions • Payment orders • Option to use a payment template or a QR code • Notices about unpaid bills and overdue payments • Map of ATMs with the option to filter out direct deposit ATMs • Credit top up • Temporary or immediate card blocking or unblocking in case of theft or loss • Changing card limits • Overview of your loans • Your investment product development • Current exchange rates • Managing user accounts (private, company, or eDisponent)
Partners
Manage all your accounts, investments, mortgages, and insurance in one secure app. Easily compare and arrange new financial products, track investments, and manage cards. Your complete financial overview, simplified.
- All accounts in one app
- Investment tracking
- Mortgage and insurance management
- Card management
- Compare and arrange financial products
- Digital contract signing
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Účty, investice, hypotéky, pojistky .. u nás nebo jinde, prostě všechno v jedné apce. Jednoduše, přehledně a bezpečně. Finance pod palcem V apce vyřešíte všechno. Úplně všechno. Balíček pro jednoho se vším všudy Nejen účet, karty, spoření, platby i výběry z bankomatů zdarma. Ale i pojistky, investice nebo třeba účty v jiných bankách v jedné apce. A co ještě nemáte, jednoduše v ní srovnáte i sjednáte. Nebo vám pomůže váš osobní poradce Partners. Prozkoumejte balíček pro jednoho. Připojte, co chcete Od účtů v jiné bance po papírové pojistky z šuplíku. Žádné papírování Od zřízení po zrušení účtu, podepisování smluv nebo potvrzení. Vše na ťuknutí. Správa karet Zřídit kartu, zmrazit kartu, změnit PIN a nebo limity? Ale jistě. Srovnat a sjednat Srovnání a sjednání třeba pojištění auta, majetku nebo dovolené na dosah. Investiční reporting Neustálý přehled o tom, jak se daří Vašim investicím, ať už jste investovali jednorázově, nebo investujete pravidelně.
Screenshots
Verdict
The clearest difference is monetization model: MONETA Smart Banka at free against Partners's free with in-app purchases. MONETA Smart Banka also leads on ratings volume (496 vs 4) and device support (5 vs 3). Partners's advantage is review sentiment (73% vs 53%) and update cadence (every 4 days vs every 10 days). On price, rating, ads and in-app purchases there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Partners holds the better App Store score, 5.0 against 4.8. That said, the two scores are not equally well evidenced: MONETA Smart Banka has 496 ratings behind it against 4, so its average is the more settled of the two. Written reviews point the same way: 53% of MONETA Smart Banka's written reviews are positive against 73% of Partners's.
MONETA Smart Banka ships an update every 10 days, Partners every 4 days. The most recent releases landed on November 2, 2026 and November 3, 2026 respectively.
| Parameter | MONETA Smart Banka | Partners |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (496 ratings) | 5.0 (4 ratings) — better |
| Positive reviews | 53.1% of reviews | 73.2% of reviews — better |
| Number of ratings | 496 — better | 4 |
| Update frequency | Every 10 days | Every 4 days — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free — better | Free with in-app purchases |
| Devices | iPhone, iPad, Mac, Apple TV, Apple Watch — better | iPhone, iPad, iPod |
| Requires iOS | 16.0 | 15.5 — better |
| Further details — not scored | ||
| Size | 399 MB | 594 MB |
| Age rating | 4+ | 4+ |
| Developer | MONETA Money Bank, a.s | PBK Technology, s.r.o. |
Customer experience
MONETA Smart Banka
Partners
User reviews
MONETA Smart Banka
From 496 App Store ratingsWhat we love
- 👍 User-friendly and simple
- 🚀 Fast and efficient
- 💯 Reliable and stable (historically)
- ✨ Modern design (for some)
- ✅ Many useful features
Room to improve
- 🐛 App crashes frequently
- 🐌 Slow loading times
- 😵 Messy and hard to navigate
- ❌ Unreliable, often not working
- 🫥 Login issues and errors
Partners
From 4 App Store ratingsWhat we love
- 👍 User-friendly and intuitive
- 🚀 Fast and responsive
- ✨ Clean and clear interface
- 💡 Innovative features (e.g., no foreign transaction fees)
- ✅ All banking tasks in one app
Room to improve
- 🙄 Difficult onboarding/activation process (ID photo, phone calls)
- 📢 Aggressive marketing notifications/ads
- 🐛 Bugs and glitches (app crashes, language overlap)
- 🚫 Limited customization options
- 💳 Issues with card payments abroad (mentioned by one user)
Bugs and requests
MONETA Smart Banka
Reported bugs
25 issues- 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
Show 20 moreShow fewer
- App repeatedly crashes on start on iPad (iPadOS 18)
- Investment details not viewable by time period
- Products disappearing from the app
- Unable to login, keeps loading
- Cannot open app, keeps loading
- App crashes on start
- Apple Watch app not working after latest update
- App not working on iOS16
- App shows only an error message: internal application error after update
- App no longer works, cannot add new devices
- App constantly not working, shows 'Oops, something went wrong'
- Confirming payment broken after new design update
- New design breaks basic functionality like custom tags for expenses
- Force touch widget does not refresh
- Cannot transfer money from account with different currency
- Credit card repayment requires re-entry after update
- Version 3 crashing immediately after start
- Digital verification has many bugs and drops
- App closes itself without warning after making payment
- Cannot login after update, shows 'connection error'
Requested features
10 requests- 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
Show 5 moreShow fewer
- Ability to categorize transactions on the fly
- Option to change sort order of accounts
- Support for multiple account logins
- Allow money transfers on € accounts
- Make credit card repayment more transparent
Partners
Reported bugs
10 issues- App crashes after opening
- ID/document scanning fails
- App appears on device without user consent
- Login issues on MacBook
- Text overflows with display zoom enabled
Show 5 moreShow fewer
- Language overlap in English version
- App freezes during onboarding
- Cannot enter full account number for outgoing payments
- App gets stuck during account creation
- Dark/light mode switching breaks the app
Requested features
11 requests- Allow disabling marketing popups
- Improve ID/document scanning for onboarding
- Add graphs for income/expenses and pension development
- Filter incoming/outgoing payments by time period
- Allow editing/canceling standing orders
Show 6 moreShow fewer
- Option to add disponent for free
- More customization for bottom panel
- Easier search for payment templates
- Add email notification settings
- Similar savings feature to ČSOB Drobné
- Option for two-person accounts without extra charge
In-app purchases
MONETA Smart Banka
No in-app purchases
Partners
No in-app purchases
