# TSB Mobile Banking vs Smart Pension

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.

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

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.

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

## The numbers

| Metric | TSB Mobile Banking | Smart Pension |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (1.1K ratings)](https://appshunter.io/ios/app/tsb-mobile-banking/id1160720878/reviews) | **[5.0 (6 ratings)](https://appshunter.io/ios/app/smart-pension/id1293678839/reviews)** |
| Number of ratings | **1.1K** | 6 |
| Positive reviews | **74.1% of reviews** | 28.9% of reviews |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | **Every 3 weeks** | Every 5 weeks |
| Monetization | Free | Free |
| Size | 276 MB | 88 MB |
| Requires iOS | **15.0** | 17.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [TSB Bank plc](https://appshunter.io/developer/698102191) | [Smart Pension Limited](https://appshunter.io/developer/1293678838) |

## What reviewers say

### TSB Mobile Banking

[App page](https://appshunter.io/ios/app/tsb-mobile-banking/id1160720878)

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:** Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

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

**Reported bugs**

- 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**

- 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

[App page](https://appshunter.io/ios/app/smart-pension/id1293678839)

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:** macOS Compatibility, Vision Pro support

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

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

**Reported bugs**

- 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

**Requested features**

- 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


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