# Smart Banking vs Twisto

The clearest difference is update cadence: Twisto at every 4 days against Smart Banking's every 2 months. Twisto also leads on rating (5.0 vs 4.6). Smart Banking's advantage is ratings volume (421 vs 5) and review sentiment (55% vs 39%). On price, ads, in-app purchases and monetization model there is nothing between them.

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

Twisto holds the better App Store score, 5.0 against 4.6. That said, the two scores are not equally well evidenced: Smart Banking has 421 ratings behind it against 5, so its average is the more settled of the two. Written reviews complicate that: 55% of Smart Banking's written reviews are positive against 39% of Twisto'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, Twisto every 4 days. The most recent releases landed on October 23, 2026 and October 24, 2026 respectively.

## The numbers

| Metric | Smart Banking | Twisto |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.6 (421 ratings)](https://appshunter.io/ios/app/smart-banking/id468057018/reviews) | **[5.0 (5 ratings)](https://appshunter.io/ios/app/twisto/id1182925330/reviews)** |
| Number of ratings | **421** | 5 |
| Positive reviews | **54.8% of reviews** | 38.7% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | **Every 4 days** |
| Monetization | Free | Free |
| Size | 739 MB | 154 MB |
| Requires iOS | **15.0** | 17.0 |
| Devices | iPhone, iPod | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [UniCredit Bank Czech Republic and Slovakia, a.s.](https://appshunter.io/developer/468057021) | [Twisto.cz](https://appshunter.io/developer/1182925329) |

## 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


### Twisto

[App page](https://appshunter.io/ios/app/twisto/id1182925330)

This payment app allows for quick, safe, and convenient online and in-store transactions. It offers easy registration, helps you control your spending with summaries, and provides secure payments with excellent exchange rates for international use.

**Highlights:** Quick online and in-store payments, Easy registration process, Spending summary and control, Secure payment institution, Competitive foreign exchange rates

**Features:** macOS Compatibility, Apple Wallet, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Smart Banking free?

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

### Is Twisto free?

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

### Which has better reviews, Smart Banking or Twisto?

Twisto is rated higher. Smart Banking averages 4.6 out of 5 from 421 ratings, while Twisto averages 5.0 from 5 ratings.

### Do Smart Banking or Twisto have ads?

Neither Smart Banking nor Twisto shows ads.

### Which is updated more often, Smart Banking or Twisto?

Smart Banking ships an update every 2 months, and Twisto every 4 days. Most recently, Smart Banking was updated on October 23, 2026 and Twisto on October 24, 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.*