# Smart Banking vs 365.bank

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.

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 4.6 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.

Smart Banking ships an update every 2 months, 365.bank monthly. Both last shipped on October 29, 2026.

## The numbers

| Metric | Smart Banking | 365.bank |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.6 (421 ratings)](https://appshunter.io/ios/app/smart-banking/id468057018/reviews)** | [4.6 (10 ratings)](https://appshunter.io/ios/app/365bank/id1374801685/reviews) |
| Number of ratings | **421** | 10 |
| Positive reviews | **54.8% of reviews** | 32.1% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | **Monthly** |
| Monetization | **Free** | Freemium |
| Size | 739 MB | 178 MB |
| Requires iOS | 15.0 | 15.0 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 12+ |
| Developer | [UniCredit Bank Czech Republic and Slovakia, a.s.](https://appshunter.io/developer/468057021) | [365.bank, a. s.](https://appshunter.io/developer/568391956) |

## 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


### 365.bank

[App page](https://appshunter.io/ios/app/365bank/id1374801685)

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:** 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 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 29, 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.*