# ČSOB Smart vs KB+

The clearest difference is rating: ČSOB Smart at 4.8 against KB+'s 4.4. ČSOB Smart also leads on review sentiment (37% vs 22%) and ratings volume (744 vs 177). KB+'s advantage is monetization model (free vs free with in-app purchases). On price, update cadence, 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.

ČSOB Smart holds the better App Store score, 4.8 against 4.4. Both are backed by a comparable volume of ratings — 744 and 177 respectively. Written reviews point the same way: 37% of ČSOB Smart's written reviews are positive against 22% of KB+'s.

ČSOB Smart ships an update monthly, KB+ every 3 weeks. The most recent releases landed on September 21, 2026 and September 20, 2026 respectively.

## The numbers

| Metric | ČSOB Smart | KB+ |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (744 ratings)](https://appshunter.io/ios/app/csob-smart/id1528483245/reviews)** | [4.4 (177 ratings)](https://appshunter.io/ios/app/kb-plus/id1585485232/reviews) |
| Number of ratings | **744** | 177 |
| Positive reviews | **36.9% of reviews** | 22.2% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Monthly | **Every 3 weeks** |
| Monetization | Free with in-app purchases | **Free** |
| Size | 330 MB | 578 MB |
| Requires iOS | **16.4** | 17.0 |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Československá obchodní banka, a.s.](https://appshunter.io/developer/479852418) | [Komercni banka a.s.](https://appshunter.io/developer/447750758) |

## What reviewers say

### 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


### KB+

[App page](https://appshunter.io/ios/app/kb-plus/id1585485232)

Manage your finances with a user-friendly app that consolidates banking services. Open accounts, order cards, make payments, and save for the future, all in one place. Customize your account and enjoy multicurrency features for seamless global transactions.

**Highlights:** Multicurrency account, Customizable account number and name, Savings accounts and envelopes, Card ordering and management, Drag and drop payments, Biometric login (Touch ID/Face ID)

**Features:** macOS Compatibility, Apple Wallet, iMessage stickers, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is ČSOB Smart free?

ČSOB Smart is free to download, with no in-app purchases.

### Is KB+ free?

KB+ is free to download, with no in-app purchases.

### Which has better reviews, ČSOB Smart or KB+?

ČSOB Smart is rated higher. ČSOB Smart averages 4.8 out of 5 from 744 ratings, while KB+ averages 4.4 from 177 ratings.

### Do ČSOB Smart or KB+ have ads?

Neither ČSOB Smart nor KB+ shows ads.

### Which is updated more often, ČSOB Smart or KB+?

ČSOB Smart ships an update monthly, and KB+ every 3 weeks. Most recently, ČSOB Smart was updated on September 21, 2026 and KB+ on September 20, 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.*