Comparison

Smart Banking vs KB Mobilní banka Business

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

Head to head
About

Smart Banking

Manage your bank accounts securely and conveniently from your mobile device. Perform payments, manage standing orders, and control your cards. Features include biometric login, card management, and ATM/branch locators.

Highlights
  • Secure login with PIN or biometrics
  • Make and manage payments
  • Activate/block debit and credit cards
  • Adjust card daily limits
  • Mobile top-ups
  • ATM and branch locator
Features
Read full description

With Smart Banking you always have your bank at your fingertips. The application is user-friendly and most of all secure. It enables you to enter payments, create and edit standing orders, pay a credit card, or activate a debit card. Access to the application as well as payment signatures are protected by your PIN code or biometric data (Touch ID / Face ID). Smart Banking also includes Smart Key, which you can use to authorize payments and other orders entered in Online Banking, both online and offline. In online mode using push notifications and in offline mode by scanning QR codes. You can also easily change your credentials. In case you forget your credentials, you can reset them using a photo of your ID and a selfie video. The application itself will guide you through the reset. But the application can do many more things! • Learn about what’s going on in your account after you turn on Push Notifications. • Have you lost a credit or debit card? You can simply temporarily block and unblock the card for free in the app. • You can adjust the daily limit for credit and debit card according to your needs. • Add credit to your mobile phone with a few clicks. • Check your account balance even without signing into the app with the Widget • You can also make a payment by scanning a QR code (QR payment). • In Online Banking you can use the Payment templates and stored Beneficiaries in the Smart Banking application. • Account statements, statements for credit cards and other documents can be found in Documents. • Get an instant overview of currency rates. • Are you searching for an ATM or UniCredit Bank branch? You can quickly find them in the application. How to activate the app? We have prepared a simple and unified activation process for you. Simply download the application and activate the application by using your Username and PIN. If you do not have this data, but you are a Client of UniCredit Bank, you can obtain it directly in the application.

About

KB Mobilní banka Business

Manage corporate accounts, approve payments, and process transactions on the go. Securely log in with biometrics and administer payment cards. Access account information and locate nearby bank facilities.

Highlights
  • Corporate account management
  • Payment approval
  • Transaction processing
  • Biometric login (Touch ID, Face ID)
  • Payment card administration
  • ATM and branch locator
  • Push notifications
Features
Read full description

The application Mobilní Banka Business from Komerční Banka enables you to manage your corporate accounts comfortably from your smartphone, tablet and Apple Watch. PAYMENT APPROVAL Approve payments prepared by your accountants. The application will notify you of payments that are waiting for your authorization. PROCESS TRANSACTIONS IN A FEW CLICKS Simply send the transfer payment order to any counter-account. You can use all your payment templates from the internet banking or simply scan a QR code to process a payment. TOUCH ID AND 3D TOUCH Log in to the app and authorize payments with Touch ID. There is no need to type your password over and over again. Press firmly to display previews. Thanks to 3D Touch you can navigate through the app faster than ever. FACE ID If you have the new iPhone X, XS, XR, Xs MAX, you can now log in and authorize payments with Face ID. PAYMENT CARD ADMINISTRATION FULLY ONLINE Set the transaction limits for your credit/debit cards or lock/unlock them instantly using the app. APPLE WATCH Pair your Apple Watch with the app and you will be able to check your balance, see the payment history or find the nearest ATM without even touching your phone. INFORMATION AT HAND PUSH notifications for both incoming and outgoing payments, new messages in the mailbox and cash withdrawals/deposits. Balance widget can display either a percentage or the exact amount. You can also use it to see your credit card’s available credit. Express and SEPA payment fees are visible directly in the payment form. LOCATE CLOSEST FACILITIES Find the nearest ATM or Komerční Banka branch on the map together with details such as opening hours, contacts and more. Contact us, for help or more information: 800 521 521

Screenshots

Smart Banking4 screens
KB Mobilní banka Business4 screens

Verdict

The call

The clearest difference is rating: Smart Banking at 4.6 against KB Mobilní banka Business's 1.0. Smart Banking also leads on ratings volume (418 vs 1) and iOS requirement (15.0 vs 17.0). KB Mobilní banka Business's advantage is device support (4 vs 2). On price, review sentiment, update cadence and ads 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

Smart Banking holds the better App Store score, 4.6 against 1.0. That said, the two scores are not equally well evidenced: Smart Banking has 418 ratings behind it against 1, so its average is the more settled of the two. Written reviews point the same way: 57% of Smart Banking's written reviews are positive against 52% of KB Mobilní banka Business's.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly every 2 months. The most recent releases landed on September 23, 2026 and August 23, 2026 respectively.

Scorecard4 real differences · 6 level
Smart Banking versus KB Mobilní banka Business: the parameters behind the verdict, then further details
ParameterSmart BankingKB Mobilní banka Business
PriceFreeFree
Rating4.6 (418 ratings) — better1.0 (1 ratings)
Positive reviews56.7% of reviews — better52.4% of reviews
Number of ratings418 — better1
Update frequencyEvery 2 monthsEvery 2 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPad, Mac, Apple Watch — better
Requires iOS15.0 — better17.0
Further details — not scored
Size708 MB93 MB
Age rating4+4+
DeveloperUniCredit Bank Czech Republic and Slovakia, a.s.Komercni banka a.s.

Customer experience

Smart Banking

All ratings418 ratings
Positive90.9%
Neutral1.7%
Negative7.4%
Written reviews30 reviews
Positive56.7%
Neutral0.0%
Negative43.3%

KB Mobilní banka Business

All ratings1 ratings
Positive0.0%
Neutral0.0%
Negative100.0%
Written reviews21 reviews
Positive52.4%
Neutral9.5%
Negative38.1%

Bugs and requests

Smart Banking

Reported bugs

15 issues
  • UI/backend feels slow
  • Just-submitted payment does not show up in the history
  • App shows error “WBS:IP10110” or “Uživatel není oprávněn k podpisu” after entering PIN
  • Accidental double payments due to error messages
  • Forced updates from time to time
Show 10 more
  • “App Support” link in App Store is broken
  • Corresponding speed of in-app clicks is slow
  • Wait time to enter the software is long
  • App activation is absolutely horrible
  • PIN requirements went crazy
  • Doesn’t work with latest IOS, no screen activation possible
  • Doesn’t work with the latest version of iOS . It crashes before even log in!
  • App stopped working after update and iOS 11.02
  • App doesn't work with iOS update 10.3.1. After login app just crashes.
  • App decided to stop letting me log in. It just says “please wait” forever.

Requested features

5 requests
  • Dark mode option
  • Easier money transfer between personal accounts
  • Feature to help manage being in the red
  • Improved chat functionality
  • Re-establish partnership with Lufthansa Miles & More

KB Mobilní banka Business

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Smart Banking

No in-app purchases

None

KB Mobilní banka Business

No in-app purchases

Questions

Is Smart Banking free?
Smart Banking is free to download, with no in-app purchases.
Is KB Mobilní banka Business free?
KB Mobilní banka Business is free to download, with no in-app purchases.
Which has better reviews, Smart Banking or KB Mobilní banka Business?
Smart Banking is rated higher. Smart Banking averages 4.6 out of 5 from 418 ratings, while KB Mobilní banka Business averages 1.0 from 1 ratings.
Do Smart Banking or KB Mobilní banka Business have ads?
Neither Smart Banking nor KB Mobilní banka Business shows ads.
Which is updated more often, Smart Banking or KB Mobilní banka Business?
Smart Banking ships an update every 2 months, and KB Mobilní banka Business every 2 months. Most recently, Smart Banking was updated on September 23, 2026 and KB Mobilní banka Business on August 23, 2026.

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