# Smart Banking vs MONETA Smart Banka

The clearest difference is update cadence: MONETA Smart Banka at every 10 days against Smart Banking's every 2 months. MONETA Smart Banka also leads on rating (4.8 vs 4.6) and device support (5 vs 2). On price, review sentiment, ratings volume and ads there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

MONETA Smart Banka holds the better App Store score, 4.8 against 4.6. Both are backed by a comparable volume of ratings — 421 and 495 respectively. Written reviews complicate that: 55% of Smart Banking's written reviews are positive against 53% of MONETA Smart Banka's, so the app with the better star average is not the one people write more warmly about.

Smart Banking ships an update every 2 months, MONETA Smart Banka every 10 days. The most recent releases landed on October 24, 2026 and October 26, 2026 respectively.

## The numbers

| Metric | Smart Banking | MONETA Smart Banka |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.6 (421 ratings)](https://appshunter.io/ios/app/smart-banking/id468057018/reviews) | **[4.8 (495 ratings)](https://appshunter.io/ios/app/moneta-smart-banka/id1122443334/reviews)** |
| Number of ratings | 421 | **495** |
| Positive reviews | **54.8% of reviews** | 52.5% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | **Every 10 days** |
| Monetization | Free | Free |
| Size | 739 MB | 375 MB |
| Requires iOS | **15.0** | 16.0 |
| Devices | iPhone, iPod | **iPhone, iPad, Mac, Apple TV, Apple Watch** |
| Age rating | 4+ | 4+ |
| Developer | [UniCredit Bank Czech Republic and Slovakia, a.s.](https://appshunter.io/developer/468057021) | [MONETA Money Bank, a.s](https://appshunter.io/developer/483589701) |

## What reviewers say

### Smart Banking

[App page](https://appshunter.io/ios/app/smart-banking/id468057018)

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:** Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Intuitive and clean interface
- 🚀 Fast payments and transfers
- 👍 Easy to navigate
- 🔒 Strong security features
- 👍 Bilingual app functionality

**What reviewers complain about**

- 🐛 Slow UI/backend performance
- 🐛 Submitted payments not showing in history
- 🐛 App shows errors during payment entry
- 🐛 Accidental double payments due to errors
- 🐛 Forced updates at inconvenient times

**Reported bugs**

- 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

**Requested features**

- 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


### MONETA Smart Banka

[App page](https://appshunter.io/ios/app/moneta-smart-banka/id1122443334)

Manage your bank accounts conveniently from your phone with this free mobile banking application. Open accounts remotely, check balances, make payments, and access various banking services securely. It offers features like card management, loan overviews, and ATM locators.

**Highlights:** Remote account opening, Check account balances, Make payments and top up credit, Card management (blocking, limits), Loan and investment overviews, ATM locator with filters, Secure PIN and Touch ID login

**Features:** Apple Wallet, Apple Watch app, iMessage stickers, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 User-friendly and simple
- 🚀 Fast and efficient
- 💯 Reliable and stable (historically)
- ✨ Modern design (for some)
- ✅ Many useful features

**What reviewers complain about**

- 🐛 App crashes frequently
- 🐌 Slow loading times
- 😵 Messy and hard to navigate
- ❌ Unreliable, often not working
- 🫥 Login issues and errors

**Reported bugs**

- Widget not working correctly after update
- App crashes on start
- Account opening not possible through mobile app
- Sudden shutdowns and inability to move between tabs
- Error during activation, cannot activate via internet banking

**Requested features**

- Add ability to categorize payments
- Improve investment details view with time periods
- Allow adding investments to the first main page
- Add portrait mode for iPad
- Option to change design to older version


## Frequently asked questions

### Is Smart Banking free?

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

### Is MONETA Smart Banka free?

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

### Which has better reviews, Smart Banking or MONETA Smart Banka?

MONETA Smart Banka is rated higher. Smart Banking averages 4.6 out of 5 from 421 ratings, while MONETA Smart Banka averages 4.8 from 495 ratings.

### Do Smart Banking or MONETA Smart Banka have ads?

Neither Smart Banking nor MONETA Smart Banka shows ads.

### Which is updated more often, Smart Banking or MONETA Smart Banka?

Smart Banking ships an update every 2 months, and MONETA Smart Banka every 10 days. Most recently, Smart Banking was updated on October 24, 2026 and MONETA Smart Banka on October 26, 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.*