Comparison

Mobile Banking UniCredit vs PosteID

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

Head to head
About

Mobile Banking UniCredit

Manage your finances securely and conveniently from your smartphone. View accounts, make transfers, pay bills, and track expenses. You can even open a new account and use biometric login for added security.

Highlights
  • View account balances and transactions
  • Make SEPA and extra SEPA transfers
  • Pay bills and top-up cards
  • Track and organize expenses
  • Biometric login and transaction authorization
  • Find nearby ATMs and branches
  • Open new accounts via smartphone
Features
Read full description

With the UniCredit Mobile Banking App and your smartphone, making transactions is easy, fast and secure. To use the App you must have a UniCredit current account and/or a rechargeable card with IBAN, sign up for the Banca Multicanale Service, download and activate the App. You can activate the App: - by Smartphone: press "Activate", enter your Banca Multicanale Codice di Adesione and PIN and press proceed. - by Banca via Internet: enter your Codice di adesione and PIN, then a one-time password generated by your device, go to "Settings" > "Mobile" > "Smartphone Application" and press proceed. From the new Home Page you can check the relationships linked to the Multi-Channel Banking Service (current accounts, cards, mortgages and loans, securities portfolio and investments), make transactions and monitor your expenses at your convenience. In the Current Accounts section you view all your current accounts and transactions (also with the 'Search' function), share IBAN details and manage your account. In the Cards section you have control of all your UniCredit cards (Credit, Debit, Rechargeable) and can easily manage all available features. With Personal Fainancial Manager and Budget organize your expenses has never been easier. Go to your personal area to upload a new profile photo, read notices and messages from the Bank, access Online Documents, read help and F.A.Q. pages or contact the Bank by telephone or chat. There is also a dedicated Payments section for: - SEPA transfers, extra SEPA transfers, fund transfers - mobile phone and UniCredit prepaid card top-ups - Simplified F24 - pre-printed postal bills, CBILL/PagoPA, blank slips and MAV, RAV, REP payments Find out how to: - set up cash withdrawals on UniCredit ATMs with Prelievo Smart - find the nearest Branch and/or Automatic Teller Machine (ATM) and the route to reach them - generate one-time passwords with Mobile Token - book an appointment at the branch through the UBook function If your Smartphone features a biometric-based recognition technologies, you can access the App and authorise transactions with these recognition tools. For assistance and information visit www.unicredit.it or call UniCredit Customer Service at the toll-free number 800.57.57 (for customers of UniCredit Private Banking branches: 800.710.710). Not a UniCredit Customer? Call the toll-free number 800.32.32.85 or go to www.unicredit.it With the UniCredit Mobile Banking App you can apply to open a UniCredit account using your Smartphone and even identify yourself with a selfie! The UniCredit current account can be requested from Mobile only by Italian residents who are not already holders of a UniCredit current account, card with IBAN and Banca Multicanale and entail signing contracts for the account, the Banca Multicanale Service and the International Debit Card. With this app you can also access information and services at any time not only at the physical UniCredit Branch, but also at the Buddy Branch. Advertising message for promotional purposes. Info and costs in the information documents in the Transparency section at www.unicredit.it Products and Services sold by UniCredit SpA. Accessibility statement: https://unicredit.it/accessibilita-app

About

PosteID

This app provides a secure digital identity for accessing public administration and private services. It allows for online registration using electronic documents or bank transfers, and offers convenient login options like QR codes, fingerprint, and facial recognition.

Highlights
  • Digital identity for public and private services
  • Online registration via electronic document
  • Online registration via bank transfer
  • QR code login
  • Touch ID/Face ID authentication
  • SPID Level 3 access
  • Offline PIN generator
Features
Read full description

PosteID è l’App ufficiale di Poste Italiane per la nuova identità digitale che consente di accedere ai servizi della Pubblica Amministrazione e dei privati convenzionati con il Sistema Pubblico d’Identità Digitale (SPID). REGISTRAZIONE CON DOCUMENTO ELETTRONICO Se sei in possesso di un documento elettronico - Carta d’Identità (CIE) o Passaporto - puoi utilizzare l’App PosteID per effettuare la tua identificazione online, senza recarti in ufficio postale. Per utilizzare questa funzionalità devi avere un dispositivo mobile abilitato alla lettura NFC. ACCESSO SENZA PASSWORD MEDIANTE QR CODE Puoi autorizzare le richieste di accesso attraverso il QR Code riportato sulla pagina di login del servizio. ACCESSO CON TOUCH ID o FACE ID Puoi autorizzare velocemente gli accessi con l’impronta digitale o facciale in alternativa al codice PosteID. ACCESSO CON LIVELLO SPID 3 Per autorizzare gli accessi ai servizi che richiedono SPID 3, devi essere in possesso del PIN SPID 3. Per ottenerlo, collegati alla tua area personale su posteid.poste.it UTILIZZA L’APP COME UN GENERATORE DI PIN Puoi accedere ai servizi anche con un PIN temporaneo generato in App, anche se questa è off-line. Una volta che avrai generato il PIN, questo andrà inserito sulla pagina di login del servizio, dopo aver inserito il tuo nome utente e la password. Consulta su https://www.poste.it/dichiarazione-accessibilita.html le dichiarazioni di accessibilità. Nota: le funzionalità dell’App e l’assistenza sono disponibili esclusivamente in lingua italiana al numero +39 06.977.977.77 PosteID is the official Poste Italiane app for the new digital ID that lets you access online the services of the Public Administration and authorised Private Bodies with the Digital Identity Public System (SPID). REGISTRATION WITH ELECTRONIC DOCUMENT If you already have an electronic document - Identity Card (CIE) or Passport - you can use the PosteID App for online identification, without going to the post office. A mobile device enabled for NFC reading is required to use this feature. PASSWORD-FREE ACCESS VIA QR CODE You can authorise requests to access via QR Code on the service login page. ACCESS VIA TOUCH ID or FACE ID You can authorise access quickly via fingerprint or face recognition as an alternative to the PosteID code. ACCESS VIA SPID 3 LEVEL SPID 3 PIN is required to authorise requests to access the services that requires SPID 3 security level. To get it, connect to your personal area on posteid.poste.it USE THE APP LIKE A PIN GENERATOR You can also access to the services with a temporary PIN generated in the App, even if this is off-line. Once you’ve generated the PIN, it will be entered on the login page of the service after having entered your username and password. Consult the accessibility statements on https://www.poste.it/dichiarazione-accessibilita.html Note: the app’s functions and support are available in Italian only. If you need to contact customer service, call us on +39 06.977.977.77

Screenshots

Mobile Banking UniCredit4 screens
PosteID4 screens

Verdict

The call

Mobile Banking UniCredit and PosteID both sit at 4.7 stars, but that hides the real split: 45% of Mobile Banking UniCredit's written reviews are positive against 17% of PosteID's. On price, rating, ratings volume and update cadence 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 Mobile Banking UniCredit against 4.7 for PosteID. Both are backed by a comparable volume of ratings — 3.2K and 4.6K respectively. Written reviews are what separate them: 45% of Mobile Banking UniCredit's written reviews are positive against 17% of PosteID's.

UpkeepUpdate frequency

Mobile Banking UniCredit ships an update monthly, PosteID every 3 weeks. Both last shipped on September 22, 2026.

Scorecard1 real difference · 9 level
Mobile Banking UniCredit versus PosteID: the parameters behind the verdict, then further details
ParameterMobile Banking UniCreditPosteID
PriceFreeFree
Rating4.7 (3.2K ratings)4.7 (4.6K ratings)
Positive reviews45.4% of reviews — better17.5% of reviews
Number of ratings3.2K4.6K — better
Update frequencyMonthlyEvery 3 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPadiPhone, iPad
Requires iOS16.016.0
Further details — not scored
Size434 MB55 MB
Age rating4+4+
DeveloperUniCreditPoste Italiane Spa

Customer experience

Mobile Banking UniCredit

All ratings3,152 ratings
Positive92.7%
Neutral2.6%
Negative4.7%
Written reviews152 reviews
Positive45.4%
Neutral7.9%
Negative46.7%

PosteID

All ratings4,601 ratings
Positive93.2%
Neutral1.7%
Negative5.1%
Written reviews166 reviews
Positive17.5%
Neutral0.6%
Negative81.9%

User reviews

Mobile Banking UniCredit

From 3.2K App Store ratings

What we love

  • 🚀 Easy to use
  • 👍 Straightforward app design
  • 🚀 Fast and responsive
  • 🚀 Convenient banking features
  • 👍 Reliable banking services

Room to improve

  • 🐛 Frequent crashes and technical issues
  • 🔒 Overly complex security measures
  • 🤯 Confusing and illogical UI
  • 🤔 Lack of clarity on PIN requirements
  • 🤬 Poor customer service and support

PosteID

From 4.6K App Store ratings

What we love

  • 👍 Ottimo servizio
  • 👍 Pratico e funzionale

Room to improve

  • 🐛 Mancato accesso per mancato invio di SMS
  • 🐛 App non legge chip
  • 🐛 Lettura carta ID difficile
  • 🐛 Non funziona
  • 🐛 Impossibile leggere la carta di identità CIE

Bugs and requests

Mobile Banking UniCredit

Reported bugs

4 issues
  • Login and activation issues
  • Inability to update contact information
  • Incompatibility with older devices
  • Unreliable payment and transfer features

Requested features

5 requests
  • Improve app stability and reliability
  • Streamline security processes
  • Enhance UI/UX for better usability
  • Provide clear instructions on PIN usage
  • Improve customer support and communication

PosteID

Reported bugs

5 issues
  • Lettura del chip non riuscita
  • Unable to read chip with iPhone
  • Can't read the chip
  • CIE not working
  • Error validate archive request

Requested features

1 request
  • Need English support for Italians born in America

In-app purchases

None

Mobile Banking UniCredit

No in-app purchases

None

PosteID

No in-app purchases

Questions

Is Mobile Banking UniCredit free?
Mobile Banking UniCredit is free to download, with no in-app purchases.
Is PosteID free?
PosteID is free to download, with no in-app purchases.
Which has better reviews, Mobile Banking UniCredit or PosteID?
Mobile Banking UniCredit and PosteID are both rated 4.7 out of 5 on the App Store, from 3.2K and 4.6K ratings respectively.
Do Mobile Banking UniCredit or PosteID have ads?
Neither Mobile Banking UniCredit nor PosteID shows ads.
Which is updated more often, Mobile Banking UniCredit or PosteID?
Mobile Banking UniCredit ships an update monthly, and PosteID every 3 weeks. Most recently, Mobile Banking UniCredit was updated on September 22, 2026 and PosteID on September 22, 2026.

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