Comparison

TSB Mobile Banking vs Smart Pension

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

TSB Mobile Banking

Manage your finances conveniently from your mobile device. View all your accounts, check balances, pay bills, and transfer funds. Secure login options like fingerprint and face ID are available.

Highlights
  • View all accounts
  • Check balances
  • Pay bills
  • Send and move money
  • Secure login (fingerprint/face ID)
  • Open current accounts
Features
Read full description

Say hello to your TSB Mobile Banking App.​ Manage all your TSB accounts securely in one place. Check your balance, make payments, move money into Savings Pots and stay in control of your cards—anytime, anywhere.​ With the TSB app, you can:​ - Log in fast with Face ID or fingerprint. ​ - Make payments, transfer money and manage standing orders or Direct Debits. ​ - Freeze or unfreeze your card, view your PIN & card details, and order a replacement. ​ - Add your card to Apple Wallet/Google Pay.​ - Use Savings Pots and Save the Pennies to grow your savings. ​ - Track spending with Spend & Save tools. ​ - Identify transactions easily with retailer logos. ​ Simple. Secure. Designed to help you stay on top of your money.​ What you’ll need:​ - To use this app, you must be a personal TSB customer with a device running iOS15 or above.​ - UK residency is required to apply for new products.​ Need help? ​ - Visit our Mobile App FAQs: https://www.tsb.co.uk/help/mobile-app/faqs.html. - Use our interactive guide if you're having trouble logging in: https://www.tsb.co.uk/login-issues.html. - Check our Service Status to confirm everything is running smoothly: https://www.tsb.co.uk/help-and-support/service-message.html. Got feedback or spotted an issue?​ We’d love to hear from you. Share your ideas or report any problems at appideas@tsb.co.uk so we can continue improving your TSB app experience.​ Important information​ This app is intended for TSB personal Internet Banking customers. Terms and conditions apply, see 'Ways to bank with us' on: https://www.tsb.co.uk/legal/.​ ​ Coverage and Location​ Our app and services may be affected by your phone's signal and functionality. In some countries it may be illegal to use some internet and mobile banking services. Please check before you travel. ​ TSB Bank plc. Registered office: Henry Duncan House, 120 George Street, Edinburgh EH2 4LH. Registered in Scotland, no SC95237.​ Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 191240.​ TSB Bank plc is covered by the Financial Services Compensation Scheme and the Financial Ombudsman Service.​

About

Smart Pension

Manage your workplace pension savings with ease. Track your fund's performance in real-time, adjust contributions, and explore investment options. Access exclusive discounts and customer support directly from your phone.

Highlights
  • Real-time pension balance tracking
  • Investment fund selection
  • Contribution level adjustments
  • Enhanced security features (Face ID, Touch ID)
  • Access to exclusive discounts
  • Live chat customer support
Features
Read full description

The Smart Pension Employee App will transform the future of pension saving for a new generation. It allows you to pick and choose the most suitable investment funds, track your pension balance in real time on your phone and increase contribution levels when you can afford it. Engaging you with your pension like never before! Key features: 1. Enhanced security: • Face ID • Touch ID • Password 2. Real-time access to pension fund valuations, to check how much your pension pot is worth. 3. Immediate updating of fund selection, strategy & contributions. But that’s not all... It can also be used to: • Access to Smart Rewards for discounts across thousands of shops & websites • Access live chat with our dedicated customer service team • Read your notifications and letters • Manage your membership, update your personal details & your beneficiary's details • Change your security preferences Note: Currently, you must be a member of a Smart Pension workplace pension scheme to use this App.

Screenshots

TSB Mobile Banking4 screens
Smart Pension4 screens

Verdict

The call

TSB Mobile Banking and Smart Pension both sit at 4.8 stars, but that hides the real split: 74% of TSB Mobile Banking's written reviews are positive against 29% of Smart Pension's. TSB Mobile Banking also leads on ratings volume (1.1K vs 6) and iOS requirement (15.0 vs 17.0). Smart Pension's advantage is ads (none vs shown). On price, rating, update cadence 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

CostPrice · In-app purchases · Ads · Monetization

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

ReceptionRating · Positive reviews · Number of ratings

Smart Pension holds the better App Store score, 5.0 against 4.8. That said, the two scores are not equally well evidenced: TSB Mobile Banking has 1.1K ratings behind it against 6, so its average is the more settled of the two. Written reviews complicate that: 74% of TSB Mobile Banking's written reviews are positive against 29% of Smart Pension's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

TSB Mobile Banking ships an update every 3 weeks, Smart Pension every 5 weeks. Both last shipped on October 24, 2026.

Scorecard4 real differences · 6 level
TSB Mobile Banking versus Smart Pension: the parameters behind the verdict, then further details
ParameterTSB Mobile BankingSmart Pension
PriceFreeFree
Rating4.8 (1.1K ratings)5.0 (6 ratings) — better
Positive reviews74.1% of reviews — better28.9% of reviews
Number of ratings1.1K — better6
Update frequencyEvery 3 weeks — betterEvery 5 weeks
AdsYesNo — better
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone, iPad
Requires iOS15.0 — better17.0
Further details — not scored
Size276 MB88 MB
Age rating4+4+
DeveloperTSB Bank plcSmart Pension Limited

Customer experience

TSB Mobile Banking

All ratings1,070 ratings
Positive96.7%
Neutral2.2%
Negative1.0%
Written reviews927 reviews
Positive74.1%
Neutral7.6%
Negative18.3%

Smart Pension

All ratings6 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews76 reviews
Positive28.9%
Neutral6.6%
Negative64.5%

User reviews

TSB Mobile Banking

From 1.1K App Store ratings

What we love

  • 👍 Easy to use
  • 🚀 Efficient and fast
  • 🔒 Secure banking
  • 💡 Helpful staff
  • 👍 Reliable and trustworthy

Room to improve

  • 🐛 Crashes and bugs
  • 🔍 Difficult to find features
  • ⏱️ Slow updates and maintenance
  • 🔒 Strict security measures
  • 🤖 Poor chatbot and support

Smart Pension

From 6 App Store ratings

What we love

  • 👍 Easy to use
  • 💡 Pension calculator helpful
  • 📈 Up-to-date values
  • 📱 Convenient mobile access
  • 💻 Can do same as computer

Room to improve

  • 🐛 App crashes frequently
  • 🐛 App not loading
  • 🐛 Login issues
  • 🐛 App freezes
  • 🐛 Basic functionalities not working

Bugs and requests

TSB Mobile Banking

Reported bugs

5 issues
  • Login issues after updates
  • Inability to pay in cheques through the app
  • Payments to approve feature not working
  • Inconsistent performance on older devices
  • Syncing issues between app and website

Requested features

5 requests
  • Notifications for payments and deposits
  • Dark mode option
  • Ability to view transaction history beyond 3 months
  • Option to approve payments directly in the app
  • Easier way to reset login details

Smart Pension

Reported bugs

47 issues
  • App crashes shortly after launch
  • App never lets you update details
  • Cannot log into the app after recent update
  • App or website will not load
  • Stuck on loading screen
Show 42 more
  • Transaction or growth details not showing
  • Redirected to transaction tab and stuck on loading wheel
  • Cannot edit beneficiaries
  • App opens website via browser embed and is glitchy
  • Unable to access the App, stuck on Smart logo
  • Takes forever to log in and stuck on login screen
  • App hasn’t been able to pass the 1st screen
  • Worked OK for a few months, now won’t open
  • Not able to access account through the app for days
  • Doesn’t function any longer
  • Latest version doesn’t load up
  • App is not loading
  • App no longer works
  • Won’t open beyond the company logo
  • Stuck on the opening screen after update
  • App literally “blue screens”
  • App frequently freezes on a dark blue screen
  • App freezes on opening screen
  • App closes as soon as I try to open
  • App freezes when it first opens or when using features
  • App doesn’t fit properly on screen
  • Have to close and reopen app to get back to main screen
  • Back arrow at the top of screen, cannot press it
  • Crashes out on load
  • Crash upon first launch after install
  • Takes ages to load and sometimes can’t log in
  • Dashboard UI is like from 90’s
  • Information missing, cannot update fund value
  • Cannot find option to message customer service
  • App stuck on a message with no back button
  • Login with Google account not supported, app stuck on Google Developers website
  • Hasn’t worked since getting iPhone 11
  • Takes a long time to login
  • Keeps logging out
  • Error when logging in with normal details
  • After updating, have to re-enter biometrics
  • Login keeps asking for biometric and then password
  • Can’t open app
  • Cannot see beyond the front page
  • App stops working
  • Unable to login after upgrading
  • App is slow

Requested features

5 requests
  • Show profit or loss on investment
  • Receive notification for new contribution
  • Improve app design and UI
  • Implement in-app form for pension transfers
  • Add dark mode

In-app purchases

None

TSB Mobile Banking

No in-app purchases

None

Smart Pension

No in-app purchases

Questions

Is TSB Mobile Banking free?
TSB Mobile Banking is free to download, with no in-app purchases.
Is Smart Pension free?
Smart Pension is free to download, with no in-app purchases.
Which has better reviews, TSB Mobile Banking or Smart Pension?
Smart Pension is rated higher. TSB Mobile Banking averages 4.8 out of 5 from 1.1K ratings, while Smart Pension averages 5.0 from 6 ratings.
Do TSB Mobile Banking or Smart Pension have ads?
TSB Mobile Banking shows ads; Smart Pension does not.
Which is updated more often, TSB Mobile Banking or Smart Pension?
TSB Mobile Banking ships an update every 3 weeks, and Smart Pension every 5 weeks. Most recently, TSB Mobile Banking was updated on October 24, 2026 and Smart Pension on October 24, 2026.

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