Comparison

KB Klíč vs ČSOB Smart

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

Head to head
About

KB Klíč

Securely log into online banking and authorize payments with this app. It replaces texted codes with in-app confirmation, offering PIN and fingerprint authentication for enhanced security.

Highlights
  • Identity verification
  • Secure online banking login
  • Payment authorization
  • PIN authentication
  • Fingerprint authentication
  • Replaces texted codes
Read full description

The KB Klíč app verifies your identity and safely logs you into MojeBanka online banking and Komerční banka's other online apps. You don't have to enter a texted code and you also authorise payments through the app. You need the following for KB Klíč activation: - KB ID, which you will find in the Electronic Signature Agreement. You can also use your username/email - An activation code that you will receive at a KB branch or when you log into mujprofil.kb.cz otherwise than via KB Klíč The activation guide is available at https://www.kb.cz/en/faq-and-support/how-to-sign-in Set the PIN on the occasion of activation. You can set up your fingerprint if your phone supports them. Komerční banka will never see your fingerprints; they are retained in a secure repository in the phone. If your phone is connected to the internet the request to confirm the activation will be received automatically in your phone. Check and confirm the request. If offline, select 'The device is not connected to the internet' option in your computer. Using the KB Klíč app, scan the pictorial code from the computer's screen. Then confirm the code by the PIN or fingerprint. Finally, type the generated code in your computer. Please note: If you enter an incorrect PIN five times KB Klíč blocks access. You will then activate the apps using an activation code that you will receive in an ATM, at a KB branch or after logging into mujprofil.kb.cz otherwise than via KB Klíč. KB Klíč will not work for you if you have reinstalled software on your phone and your platform (root) is therefore not protected. All of this for the sake of security.

About

ČSOB Smart

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
Read full description

With ČSOB Smart you have the whole bank and insurance company in your mobile. You are not a client yet? It is not a problem, you can become one right in the app – opening a current account takes only few minutes. Why it is great to have ČSOB Smart: 1. Your money is safe, it is protected not only by your bank identity, but also by Face ID or Touch ID. 2. You always know how much money you have, both in your current and savings account, and even on investments account. 3. It makes payments easy, even invoice payment, thanks to the possibility to scan it from a QR code. 4. You have a perfect control of accounts, mortgages, loans, insurance and other ČSOB products. 5. You can change your card limit, display forgotten PIN code, or temporarily lock the card, and it all takes no time. 6. It allows you to easily arrange a loan, savings, investments, travel insurance and other products. 7. Here you may manage your insurance contracts, report an insurance event and monitor its handling progress. You can also find here your insurance documents, such as your Green Card. 8. You can customize it according to your needs, adjust the order of the products or set the dark mode of an app. And that's not all! You can explore more features after downloading it.

Screenshots

KB Klíč4 screens
ČSOB Smart4 screens

Verdict

The call

KB Klíč and ČSOB Smart both sit at 4.7 stars, but that hides the real split: 83% of KB Klíč's written reviews are positive against 37% of ČSOB Smart's. KB Klíč also leads on monetization model (free vs free with in-app purchases). ČSOB Smart's advantage is update cadence (monthly vs every 2 months) and ratings volume (744 vs 124). 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

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

On the App Store both sit at effectively the same score — 4.7 for KB Klíč against 4.8 for ČSOB Smart. That said, the two scores are not equally well evidenced: ČSOB Smart has 744 ratings behind it against 124, so its average is the more settled of the two. Written reviews are what separate them: 83% of KB Klíč's written reviews are positive against 37% of ČSOB Smart's.

UpkeepUpdate frequency

KB Klíč ships an update every 2 months, ČSOB Smart monthly. The most recent releases landed on July 5, 2026 and September 21, 2026 respectively.

Scorecard4 real differences · 6 level
KB Klíč versus ČSOB Smart: the parameters behind the verdict, then further details
ParameterKB KlíčČSOB Smart
PriceFreeFree
Rating4.7 (124 ratings)4.8 (744 ratings) — better
Positive reviews83.3% of reviews — better36.9% of reviews
Number of ratings124744 — better
Update frequencyEvery 2 monthsMonthly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree — betterFree with in-app purchases
DevicesiPhone, iPodiPhone, iPad
Requires iOS15.0 — better16.4
Further details — not scored
Size80 MB330 MB
Age rating4+4+
DeveloperKomercni banka a.s.Československá obchodní banka, a.s.

Customer experience

KB Klíč

All ratings124 ratings
Positive92.7%
Neutral1.6%
Negative5.6%
Written reviews96 reviews
Positive83.3%
Neutral3.1%
Negative13.5%

ČSOB Smart

All ratings744 ratings
Positive95.2%
Neutral1.1%
Negative3.8%
Written reviews122 reviews
Positive36.9%
Neutral7.4%
Negative55.7%

Bugs and requests

KB Klíč

Not enough reviews yet to summarise bugs or requests.

ČSOB Smart

Reported bugs

3 issues
  • Disappearing account balances and interest payments
  • Payments not processed immediately
  • Repeated login failures

Requested features

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

In-app purchases

None

KB Klíč

No in-app purchases

None

ČSOB Smart

No in-app purchases

Questions

Is KB Klíč free?
KB Klíč 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, KB Klíč or ČSOB Smart?
ČSOB Smart is rated higher. KB Klíč averages 4.7 out of 5 from 124 ratings, while ČSOB Smart averages 4.8 from 744 ratings.
Do KB Klíč or ČSOB Smart have ads?
Neither KB Klíč nor ČSOB Smart shows ads.
Which is updated more often, KB Klíč or ČSOB Smart?
KB Klíč ships an update every 2 months, and ČSOB Smart monthly. Most recently, KB Klíč was updated on July 5, 2026 and ČSOB Smart on September 21, 2026.

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