Comparison

Smart Banking vs ČSOB CEB Mobile

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

ČSOB CEB Mobile

Manage your company finances on the go with this mobile application. Access account information, make payments, view payment history, and manage cards. Some features are available without logging in.

Highlights
  • Account information and balances
  • Payment history
  • Domestic and international payments
  • Payment card management
  • QR Payment search
  • Authorize operations
  • Standing order management
Read full description

Keeping track of your company finance on the go. We are introducing a mobile app created especially for businesses and their needs. It is the fastest way to manage your company finances. Simple access to various features - Account information, balances and payment history - Overviews of waiting, blocked and rejected payments - Make domestics and international payments - View and manage your payment cards - Find every payment with smart “QR Payment search” - Authorize operations stored in the Waiting room - View and manage your domestic standing orders Quick without login Access selected features immediately with one click. Without logging in you can: - Locate nearest branch or ATM - Check exchange rates - See bank messages - Search for important contact information How to start Just use ČSOB Smart Key to login and make payments. If you are already a Smart Key user, you can proceed with ČSOB CEB Mobile login immediately after download. If you don't have your Smart Key yet, the activation process for new users is quick and simple. You'll need an activation code that you can get via ČSOB CEB portal, branch or at any ČSOB ATM. In case your ČSOB access rights are managed by your company administrator, please check that you have permissions to use ČSOB CEB Mobile. Important information ČSOB CEB Mobile runs on devices with iOS version 17 and higher and works on iPhones as well as iPads. BUSINESS TERMS AND CONDITIONS FOR THE PROVISION OF ČSOB CEB SERVICE Business terms and conditions for the provision of ČSOB CEB Service apply. You can check the terms and conditions on ČSOB web page. ČSOB CEB Mobile is free of charge, payment and other operations are charged according to the Price list of products and services. Do you have any questions or need help with the application? You can check out Help inside the application or contact Helpdesk ČSOB CEB at number +420 499 900 500

Screenshots

Smart Banking4 screens
ČSOB CEB Mobile4 screens

Verdict

The call

The clearest difference is review sentiment: Smart Banking at 57% against ČSOB CEB Mobile's 24%. Smart Banking also leads on ratings volume (418 vs 36) and iOS requirement (15.0 vs 17.0). ČSOB CEB Mobile's advantage is rating (4.9 vs 4.6) and update cadence (every 3 weeks vs every 2 months). On price, ads, in-app purchases and monetization model 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

ČSOB CEB Mobile holds the better App Store score, 4.9 against 4.6. That said, the two scores are not equally well evidenced: Smart Banking has 418 ratings behind it against 36, so its average is the more settled of the two. Written reviews complicate that: 57% of Smart Banking's written reviews are positive against 24% of ČSOB CEB Mobile's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

Smart Banking ships an update every 2 months, ČSOB CEB Mobile every 3 weeks. The most recent releases landed on September 23, 2026 and September 3, 2026 respectively.

Scorecard5 real differences · 5 level
Smart Banking versus ČSOB CEB Mobile: the parameters behind the verdict, then further details
ParameterSmart BankingČSOB CEB Mobile
PriceFreeFree
Rating4.6 (418 ratings)4.9 (36 ratings) — better
Positive reviews56.7% of reviews — better23.6% of reviews
Number of ratings418 — better36
Update frequencyEvery 2 monthsEvery 3 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPod — betteriPhone
Requires iOS15.0 — better17.0
Further details — not scored
Size708 MB86 MB
Age rating4+4+
DeveloperUniCredit Bank Czech Republic and Slovakia, a.s.Československá obchodní 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%

ČSOB CEB Mobile

All ratings35 ratings
Positive97.1%
Neutral0.0%
Negative2.9%
Written reviews55 reviews
Positive23.6%
Neutral7.3%
Negative69.1%

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

ČSOB CEB Mobile

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Smart Banking

No in-app purchases

None

ČSOB CEB Mobile

No in-app purchases

Questions

Is Smart Banking free?
Smart Banking is free to download, with no in-app purchases.
Is ČSOB CEB Mobile free?
ČSOB CEB Mobile is free to download, with no in-app purchases.
Which has better reviews, Smart Banking or ČSOB CEB Mobile?
ČSOB CEB Mobile is rated higher. Smart Banking averages 4.6 out of 5 from 418 ratings, while ČSOB CEB Mobile averages 4.9 from 36 ratings.
Do Smart Banking or ČSOB CEB Mobile have ads?
Neither Smart Banking nor ČSOB CEB Mobile shows ads.
Which is updated more often, Smart Banking or ČSOB CEB Mobile?
Smart Banking ships an update every 2 months, and ČSOB CEB Mobile every 3 weeks. Most recently, Smart Banking was updated on September 23, 2026 and ČSOB CEB Mobile on September 3, 2026.

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