Smart Banking vs ČSOB CEB Mobile
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- 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
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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.
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.
- Account information and balances
- Payment history
- Domestic and international payments
- Payment card management
- QR Payment search
- Authorize operations
- Standing order management
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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
Verdict
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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
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.
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.
| Parameter | Smart Banking | ČSOB CEB Mobile |
|---|---|---|
| Price | Free | Free |
| Rating | 4.6 (418 ratings) | 4.9 (36 ratings) — better |
| Positive reviews | 56.7% of reviews — better | 23.6% of reviews |
| Number of ratings | 418 — better | 36 |
| Update frequency | Every 2 months | Every 3 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod — better | iPhone |
| Requires iOS | 15.0 — better | 17.0 |
| Further details — not scored | ||
| Size | 708 MB | 86 MB |
| Age rating | 4+ | 4+ |
| Developer | UniCredit Bank Czech Republic and Slovakia, a.s. | Československá obchodní banka, a.s. |
Customer experience
Smart Banking
ČSOB CEB Mobile
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
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- “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
Smart Banking
No in-app purchases
ČSOB CEB Mobile
No in-app purchases
Questions
Is Smart Banking free?
Is ČSOB CEB Mobile free?
Which has better reviews, Smart Banking or ČSOB CEB Mobile?
Do Smart Banking or ČSOB CEB Mobile have ads?
Which is updated more often, Smart Banking or ČSOB CEB Mobile?
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