Comparison

Smart Banking vs 365.bank

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

365.bank

This digital bank offers easy account opening with facial biometrics and provides both free and paid account options. Manage your finances, make payments via mobile, and explore savings and investment tools.

Highlights
  • Easy online account opening
  • Digital and physical card options
  • Mobile and wearable payments
  • Savings with every payment
  • In-app investing
  • Loan and mortgage applications
  • Emoji-based security code
Features
Read full description

Ahoj, sme 365.bank a byť s nami je jednoduchšie, ako si čakal. Sme digitálni a sme aj s pobočkami. No v prvom rade sme plní ľudí, ktorým ide o to, aby všetci mohli na peniaze myslieť menej. Áno, aj ty. Čo pre teba máme? Produkty a vychytávky, ktoré dávajú zmysel. Poďme sa teda pozrieť na to, čo sme si pre teba pripravili. Stačí hodiť očkom a účet máš založený. No fakt. Založíš ho jednoducho a bezpečne online, na pár ťukov, z pohodlia domova prostredníctvom tvárovej biometrie. Skvelé, že? Na výber máš dva varianty: Účet zadarmo, bez poplatku za vedenie a spoplatnený Účet plus s kopou výhod. A to celé s našou ekologickou digitálnou kartou, ktorú vieš využívať hneď po založení účtu. Celé dobre! Digitálna karta ti je hneď k dispozícii Platby môžeš navyše vykonávať nielen kartou, ale aj mobilom, hodinkami či prsteňom s Apple Pay, Google Pay, Garmin Pay, Fitbit Pay, Xiaomi a SwatchPay! Investuj kade chodíš S nami nemusíš nechávať svoje peniaze pod mintovým vankúšom. Investovať môžeš z kaviarne alebo pri venčení psa a to ako sa im darí uvidíš priamo v apke. Podmienky investovania nájdeš tu: 365.bank/sporenie-investovanie/investicne-sporenie Pôžička či hypotéka z pohodlia domova. Aj to máme! Požiadať o ne vieš jednoducho, za pár minút aj pri ležaní na gauči. Jednoducho, cez apku. Alebo nás navštív v pobočke, je to len na tebe! Zabudni na čísla, použi emoji Apku si môžeš zakódovať opicou, jednorožcom či pizzou, jednoducho s tvojim obľúbeným emoji. Náš PIE kód je bezpečnejší ako PIN a ľahšie sa pamätá. Ale hlavne je s ním väčšia sranda. S našou apkou si môžeš potykať a oslovovať ťa bude podľa toho, ako si praješ. Stiahni si ju hneď teraz. Byť s nami je jednoduchšie, ako si čakal. Tvoja 365-ka

Screenshots

Smart Banking4 screens
365.bank4 screens

Verdict

The call

The clearest difference is monetization model: Smart Banking at free against 365.bank's freemium. Smart Banking also leads on review sentiment (55% vs 32%) and ratings volume (421 vs 10). On price, rating, update cadence and ads 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

On the App Store both sit at effectively the same score — 4.6 for Smart Banking against 4.6 for 365.bank. That said, the two scores are not equally well evidenced: Smart Banking has 421 ratings behind it against 10, so its average is the more settled of the two. Written reviews are what separate them: 55% of Smart Banking's written reviews are positive against 32% of 365.bank's.

UpkeepUpdate frequency

Smart Banking ships an update every 2 months, 365.bank monthly. The most recent releases landed on October 29, 2026 and October 25, 2026 respectively.

Scorecard3 real differences · 7 level
Smart Banking versus 365.bank: the parameters behind the verdict, then further details
ParameterSmart Banking365.bank
PriceFreeFree
Rating4.6 (421 ratings) — better4.6 (10 ratings)
Positive reviews54.8% of reviews — better32.1% of reviews
Number of ratings421 — better10
Update frequencyEvery 2 monthsMonthly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree — betterFreemium
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS15.015.0
Further details — not scored
Size739 MB178 MB
Age rating4+12+
DeveloperUniCredit Bank Czech Republic and Slovakia, a.s.365.bank, a. s.

Customer experience

Smart Banking

All ratings421 ratings
Positive90.7%
Neutral1.7%
Negative7.6%
Written reviews31 reviews
Positive54.8%
Neutral0.0%
Negative45.2%

365.bank

All ratings10 ratings
Positive90.0%
Neutral0.0%
Negative10.0%
Written reviews78 reviews
Positive32.1%
Neutral19.2%
Negative48.7%

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

365.bank

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Smart Banking

No in-app purchases

None

365.bank

No in-app purchases

Questions

Is Smart Banking free?
Smart Banking is free to download, with no in-app purchases.
Is 365.bank free?
365.bank is free to download, with no in-app purchases.
Which has better reviews, Smart Banking or 365.bank?
Smart Banking is rated higher. Smart Banking averages 4.6 out of 5 from 421 ratings, while 365.bank averages 4.6 from 10 ratings.
Do Smart Banking or 365.bank have ads?
Neither Smart Banking nor 365.bank shows ads.
Which is updated more often, Smart Banking or 365.bank?
Smart Banking ships an update every 2 months, and 365.bank monthly. Most recently, Smart Banking was updated on October 29, 2026 and 365.bank on October 25, 2026.

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