# Smart Banking vs Skip Pay

The clearest difference is ratings volume: Smart Banking at 418 against Skip Pay's 4. Smart Banking also leads on monetization model (free vs ad-supported). Skip Pay's advantage is update cadence (every 10 days vs every 2 months) and rating (4.8 vs 4.6). On price, review sentiment, ads and in-app purchases there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

Skip Pay holds the better App Store score, 4.8 against 4.6. That said, the two scores are not equally well evidenced: Smart Banking has 418 ratings behind it against 4, so its average is the more settled of the two. Written reviews point the same way: 57% of Smart Banking's written reviews are positive against 60% of Skip Pay's.

Smart Banking ships an update every 2 months, Skip Pay every 10 days. The most recent releases landed on September 29, 2026 and October 3, 2026 respectively.

## The numbers

| Metric | Smart Banking | Skip Pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.6 (418 ratings)](https://appshunter.io/ios/app/smart-banking/id468057018/reviews) | **[4.8 (4 ratings)](https://appshunter.io/ios/app/skip-pay/id1450758826/reviews)** |
| Number of ratings | **418** | 4 |
| Positive reviews | 56.7% of reviews | **60.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | **Every 10 days** |
| Monetization | **Free** | Ad-supported |
| Size | 708 MB | 100 MB |
| Requires iOS | 15.0 | 15.0 |
| Devices | iPhone, iPod | **iPhone, iPod, Apple Watch** |
| Age rating | 4+ | 4+ |
| Developer | [UniCredit Bank Czech Republic and Slovakia, a.s.](https://appshunter.io/developer/468057021) | [Skip Pay s.r.o.](https://appshunter.io/developer/1450758825) |

## 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


### Skip Pay

[App page](https://appshunter.io/ios/app/skip-pay/id1450758826)

Manage all your purchases, activate a virtual card, and view your PIN.  Enjoy benefits like paying up to 50 days later, splitting payments, and earning rewards.

**Highlights:** Manage all purchases in one place, Activate virtual card, View PIN anytime, Check loyalty balance and redeem points, Pay up to 50 days later, Split payments into installments, Send money to any Czech account

**Features:** Apple Watch app, 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 Skip Pay free?

Skip Pay is free to download, with no in-app purchases.

### Which has better reviews, Smart Banking or Skip Pay?

Skip Pay is rated higher. Smart Banking averages 4.6 out of 5 from 418 ratings, while Skip Pay averages 4.8 from 4 ratings.

### Do Smart Banking or Skip Pay have ads?

Neither Smart Banking nor Skip Pay shows ads.

### Which is updated more often, Smart Banking or Skip Pay?

Smart Banking ships an update every 2 months, and Skip Pay every 10 days. Most recently, Smart Banking was updated on September 29, 2026 and Skip Pay on October 3, 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.*