# KB Klíč vs ČSOB Smart

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.

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 — 4.7 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.

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.

## The numbers

| Metric | KB Klíč | ČSOB Smart |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.7 (124 ratings)](https://appshunter.io/ios/app/kb-klic/id1322359766/reviews) | **[4.8 (744 ratings)](https://appshunter.io/ios/app/csob-smart/id1528483245/reviews)** |
| Number of ratings | 124 | **744** |
| Positive reviews | **83.3% of reviews** | 36.9% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | **Monthly** |
| Monetization | **Free** | Free with in-app purchases |
| Size | 80 MB | 330 MB |
| Requires iOS | **15.0** | 16.4 |
| Devices | iPhone, iPod | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Komercni banka a.s.](https://appshunter.io/developer/447750758) | [Československá obchodní banka, a.s.](https://appshunter.io/developer/479852418) |

## What reviewers say

### KB Klíč

[App page](https://appshunter.io/ios/app/kb-klic/id1322359766)

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

**In-app purchases:** none


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