Comparison

Smart Banking vs George Česko

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

George Česko

Manage your income, expenses, investments, and insurance with a clear financial overview. Track spending, set reminders, make fast payments, and access investment tools. Offers cashback and allows for easy product applications.

Highlights
  • Manage income and expenses
  • Set payment reminders
  • Block lost cards
  • Instant local payments
  • Earn cashback
  • Invest in ETFs and stocks
  • Apply for credit cards and insurance
Read full description

Join 3 million users taking care of their finances with George The George app gives you a clear overview of your income, expenses, investments, and insurance anytime, anywhere. Access all your financial information quickly and easily, right at your fingertips. Key features: • Manage your money: Track your income and expenses, set payment reminders, and adjust card limits. • Keep your money safe: Easily block lost cards, view your PIN, or withdraw cash from an ATM via a QR code. Verify via app that it’s really us calling you. • Ultra fast payments: Make instant payments to local banks, pay bills via QR codes, and set up standing orders. • Save money and get discounts: Earn cashback with the Moneyback program. Offers change regularly. • Invest easily: Invest in ETFs, funds, stocks, or even partial shares, and track their performance directly in the app. • Apply for products: Choose from over 50 products, including credit cards or insurance, right in the app. Your financial health partner George is your personal guide to better financial management. It helps you save on specific expenses and even shows you how to earn extra money, like through government benefits. Let George guide you through your finances and stay financially FIT with just a few clicks. Seamless payments Add your card to Apple Pay and enjoy quick, secure payments with your phone or watch – online and in stores. Child-friendly banking George for Kids is George specifically designed for children up to their 15th birthday. Teach them how to tak care of their financial health with George and get it for them for free, with their own account – and from age 8, even with a card. As a cherry on top, George offers playful financial tips tailored to your child's age. George does so much more. Try it today! Download the app, set up your free account, and join those who earned an extra 8,235 CZK on average last year. Your Česká spořitelna

Screenshots

Smart Banking4 screens
George Česko4 screens

Verdict

The call

The clearest difference is rating: George Česko at 4.8 against Smart Banking's 4.6. George Česko also leads on update cadence (every 3 weeks vs every 2 months) and ratings volume (2.1K vs 418). Smart Banking's advantage is iOS requirement (15.0 vs 17.7). On price, review sentiment, 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

George Česko holds the better App Store score, 4.8 against 4.6. Both are backed by a comparable volume of ratings — 418 and 2.1K respectively. Written reviews point the same way: 57% of Smart Banking's written reviews are positive against 60% of George Česko's.

UpkeepUpdate frequency

Smart Banking ships an update every 2 months, George Česko every 3 weeks. The most recent releases landed on October 12, 2026 and October 18, 2026 respectively.

Scorecard4 real differences · 6 level
Smart Banking versus George Česko: the parameters behind the verdict, then further details
ParameterSmart BankingGeorge Česko
PriceFreeFree
Rating4.6 (418 ratings)4.8 (2.1K ratings) — better
Positive reviews56.7% of reviews60.2% of reviews — better
Number of ratings4182.1K — better
Update frequencyEvery 2 monthsEvery 3 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPad
Requires iOS15.0 — better17.7
Further details — not scored
Size708 MB439 MB
Age rating4+4+
DeveloperUniCredit Bank Czech Republic and Slovakia, a.s.Ceska sporitelna, a.s.

Customer experience

Smart Banking

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

George Česko

All ratings2,067 ratings
Positive95.8%
Neutral1.6%
Negative2.6%
Written reviews161 reviews
Positive60.2%
Neutral6.2%
Negative33.5%

User reviews

Smart Banking

From 418 App Store ratings

What we love

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

Room to improve

  • 🐛 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

George Česko

From 2.1K App Store ratings

What we love

  • 👍 Great app
  • 🚀 Easy to use
  • 🚀 Efficient banking
  • 🚀 Convenient features
  • 🚀 Excellent banking app

Room to improve

  • 🐛 Frequent crashes
  • 🐛 Buggy updates
  • 🐛 Compatibility issues
  • 🐛 Unreliable connection
  • 🐛 Forced app updates

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

George Česko

Reported bugs

6 issues
  • Login issues after updates
  • Payments not processing correctly
  • QR code scanning not working
  • Frequent app crashes
  • Compatibility problems with newer devices
Show 1 more
  • Language switching not working as expected

Requested features

8 requests
  • Dark/light mode option
  • Ability to hide account balance
  • Improved search in transaction history
  • Separate expense categories
  • International payment support
Show 3 more
  • Temporary card limit adjustments
  • Direct debit setup
  • Savings account management

In-app purchases

None

Smart Banking

No in-app purchases

None

George Česko

No in-app purchases

Questions

Is Smart Banking free?
Smart Banking is free to download, with no in-app purchases.
Is George Česko free?
George Česko is free to download, with no in-app purchases.
Which has better reviews, Smart Banking or George Česko?
George Česko is rated higher. Smart Banking averages 4.6 out of 5 from 418 ratings, while George Česko averages 4.8 from 2.1K ratings.
Do Smart Banking or George Česko have ads?
Neither Smart Banking nor George Česko shows ads.
Which is updated more often, Smart Banking or George Česko?
Smart Banking ships an update every 2 months, and George Česko every 3 weeks. Most recently, Smart Banking was updated on October 12, 2026 and George Česko on October 18, 2026.

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