# Smart Banking vs KB Klíč

Smart Banking and KB Klíč both sit at 4.6 stars, but that hides the real split: 83% of KB Klíč's written reviews are positive against 57% of Smart Banking's. Smart Banking's advantage is ratings volume (418 vs 124). On price, rating, update cadence 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.

On the App Store both sit at effectively the same score — 4.6 for Smart Banking against 4.7 for KB Klíč. Both are backed by a comparable volume of ratings — 418 and 124 respectively. Written reviews are what separate them: 57% of Smart Banking's written reviews are positive against 83% of KB Klíč's.

Both ship on a similar rhythm, roughly every 2 months. The most recent releases landed on September 23, 2026 and July 5, 2026 respectively.

## The numbers

| Metric | Smart Banking | KB Klíč |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.6 (418 ratings)](https://appshunter.io/ios/app/smart-banking/id468057018/reviews) | **[4.7 (124 ratings)](https://appshunter.io/ios/app/kb-klic/id1322359766/reviews)** |
| Number of ratings | **418** | 124 |
| Positive reviews | 56.7% of reviews | **83.3% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | Every 2 months |
| Monetization | Free | Free |
| Size | 708 MB | 80 MB |
| Requires iOS | 15.0 | 15.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [UniCredit Bank Czech Republic and Slovakia, a.s.](https://appshunter.io/developer/468057021) | [Komercni banka a.s.](https://appshunter.io/developer/447750758) |

## 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


### KB Klíč

[App page](https://appshunter.io/ios/app/kb-klic/id1322359766)

Securely log into online banking and authorize payments with this app. It replaces texted codes with in-app confirmation, offering PIN and fingerprint authentication for enhanced security.

**Highlights:** Identity verification, Secure online banking login, Payment authorization, PIN authentication, Fingerprint authentication, Replaces texted codes

**In-app purchases:** none


## Frequently asked questions

### Is Smart Banking free?

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

### Is KB Klíč free?

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

### Which has better reviews, Smart Banking or KB Klíč?

KB Klíč is rated higher. Smart Banking averages 4.6 out of 5 from 418 ratings, while KB Klíč averages 4.7 from 124 ratings.

### Do Smart Banking or KB Klíč have ads?

Neither Smart Banking nor KB Klíč shows ads.

### Which is updated more often, Smart Banking or KB Klíč?

Smart Banking ships an update every 2 months, and KB Klíč every 2 months. Most recently, Smart Banking was updated on September 23, 2026 and KB Klíč on July 5, 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.*