Comparison

BOK Financial Mobile Banking vs Smart Data

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

Head to head
About

BOK Financial Mobile Banking

Manage your finances on the go with this mobile banking application. Access account balances, deposit checks, transfer funds, and pay bills securely from your smartphone. Stay informed with transaction history and e-statements, and easily locate nearby ATMs and branches.

Highlights
  • Access account balances
  • Deposit checks remotely
  • Transfer funds between accounts
  • Pay bills conveniently
  • Setup mobile alerts
  • View transaction history and e-statements
  • Locate ATMs and branches
Features
Read full description

Take us with you! Mobile Banking allows you to conveniently and securely access your BOK Financial account(s) anytime, which means you can literally do your banking wherever you are. With our app you can: * Access balance information * Deposit checks with your phone * Transfer funds * Pay bills * Setup Mobile Alerts * View transaction history, including check images * View e-statements * Utilize GPS to get one-touch access and directions to ATM and banking center locations Your security is important to us: * You set your own security access passwords * Once you close the app or log out, your session will end * Secure Socket Layer (SSL) is always used to encrypt your personal information such as user name, password, and account information over the internet To enroll in Mobile Banking: Download the app today and tap “Enroll in Online & Mobile Banking” and follow the instructions to get your Mobile Banking experience started today.

About

Smart Data

Streamline your business expense reporting on the go. Capture receipts with your phone, add justifications, and manage costs from anywhere. This app is a component of your bank's commercial card program.

Highlights
  • Review posted corporate Mastercard expenses
  • Add receipts using phone camera
  • Add business justification and allocate costs
  • Group and manage multiple expenses
  • Approve expenses and groups
Features
Read full description

Note: This mobile application needs to be enabled by your bank. Your business happens in lots of places and, these days, it's usually not in your office. With Smart Data, your expense reporting can happen anytime, anywhere, just like your work. With the Smart Data mobile application, you can: * Review all posted expenses associated with your corporate Mastercard * Add receipts captured with your phone's camera eliminating the need to keep track of paper receipts * Add a business justification and allocate costs * Group and manage multiple expenses at once * Manage expenses and groups as an approver Smart Data is a component of Mastercard's Commercial product offerings, which financial institutions provide to their business customers to manage their Commercial Card programs. With the Mastercard Smart Data suite of solutions, organizations can better monitor spending, reduce vendor costs, and maximize efficiency. Smart Data helps companies seamlessly organize, consolidate, manage, and analyze financial data from cards, and cash transactions. Smart Data is a single, scalable, and highly configurable global platform with proven market leadership globally.

Screenshots

BOK Financial Mobile Banking4 screens
Smart Data4 screens

Verdict

The call

The clearest difference is review sentiment: BOK Financial Mobile Banking at 63% against Smart Data's 25%. BOK Financial Mobile Banking also leads on rating (4.9 vs 4.4) and ratings volume (5.8K vs 699). On price, update cadence, 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

BOK Financial Mobile Banking holds the better App Store score, 4.9 against 4.4. That said, the two scores are not equally well evidenced: BOK Financial Mobile Banking has 5.8K ratings behind it against 699, so its average is the more settled of the two. Written reviews point the same way: 63% of BOK Financial Mobile Banking's written reviews are positive against 25% of Smart Data's.

UpkeepUpdate frequency

BOK Financial Mobile Banking ships an update fortnightly, Smart Data monthly. The most recent releases landed on September 23, 2026 and September 20, 2026 respectively.

Scorecard3 real differences · 7 level
BOK Financial Mobile Banking versus Smart Data: the parameters behind the verdict, then further details
ParameterBOK Financial Mobile BankingSmart Data
PriceFreeFree
Rating4.9 (5.8K ratings) — better4.4 (699 ratings)
Positive reviews63.5% of reviews — better25.0% of reviews
Number of ratings5.8K — better699
Update frequencyFortnightly — betterMonthly
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPadiPhone, iPad
Requires iOS17.017.0
Further details — not scored
Size60 MB63 MB
Age rating4+4+
DeveloperBOK Financial CorporationMastercard International Incorporated

Customer experience

BOK Financial Mobile Banking

All ratings5,830 ratings
Positive96.9%
Neutral1.4%
Negative1.7%
Written reviews52 reviews
Positive63.5%
Neutral11.5%
Negative25.0%

Smart Data

All ratings699 ratings
Positive85.1%
Neutral3.0%
Negative11.9%
Written reviews16 reviews
Positive25.0%
Neutral0.0%
Negative75.0%

User reviews

BOK Financial Mobile Banking

From 5.8K App Store ratings

What we love

  • 👍 Convenient and easy to use
  • 🚀 Quick and reliable transfers
  • 💯 Excellent customer service
  • 🏆 Best banking experience

Room to improve

  • 💰 Increasing fees
  • 🔒 Privacy concerns
  • 🐛 Frequent app crashes
  • 🤖 Lack of features and functionality

Smart Data

From 699 App Store ratings

What we love

  • 👍 Easy to use
  • 👍 Great tool for expenses
  • 👍 User-friendly app
  • 👍 Basic functions work well

Room to improve

  • 🔒 Inconvenient login process
  • 🔒 Unnecessary security for uploads
  • 🐛 Constant updates prevent submission
  • 🐛 Errors when submitting expenses
  • 🐛 Cannot edit submitted expenses

Bugs and requests

BOK Financial Mobile Banking

Reported bugs

3 issues
  • Login issues on certain devices
  • External transfer problems
  • Inconsistent app performance

Requested features

4 requests
  • Improved mobile app compatibility
  • Ability to customize payment amounts
  • Enhanced check deposit functionality
  • Detailed transaction history and analytics

Smart Data

Reported bugs

6 issues
  • Login issues
  • Uploading receipts issues
  • App crashes during receipt import
  • Constant error messages
  • Submitted expenses cannot be edited
Show 1 more
  • Submitting receipts fails frequently

Requested features

8 requests
  • Biometric login (Face ID/fingerprint)
  • Update required notification
  • Storage for pending charge receipts
  • Ability to recognize recurring charges
  • Autofill password functionality
Show 3 more
  • Ability to take receipt picture from app
  • See billing session total/balance
  • Sync submitted receipts with pictures

In-app purchases

None

BOK Financial Mobile Banking

No in-app purchases

None

Smart Data

No in-app purchases

Questions

Is BOK Financial Mobile Banking free?
BOK Financial Mobile Banking is free to download, with no in-app purchases.
Is Smart Data free?
Smart Data is free to download, with no in-app purchases.
Which has better reviews, BOK Financial Mobile Banking or Smart Data?
BOK Financial Mobile Banking is rated higher. BOK Financial Mobile Banking averages 4.9 out of 5 from 5.8K ratings, while Smart Data averages 4.4 from 699 ratings.
Do BOK Financial Mobile Banking or Smart Data have ads?
Neither BOK Financial Mobile Banking nor Smart Data shows ads.
Which is updated more often, BOK Financial Mobile Banking or Smart Data?
BOK Financial Mobile Banking ships an update fortnightly, and Smart Data monthly. Most recently, BOK Financial Mobile Banking was updated on September 23, 2026 and Smart Data on September 20, 2026.

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