Comparison

Smart Banking vs Fio Smartbanking CZ

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

Fio Smartbanking CZ

Manage your bank account on the go with this smart banking app. Check balances, make payments, control card limits, and even apply for loans or start investing. It offers a secure and user-friendly way to handle all your financial needs.

Highlights
  • Account balance checks
  • Mobile payments
  • Card limit control
  • Loan and credit applications
  • Savings and investment options
  • QR code payments
  • Customizable home screen
Features
Read full description

Fio Smartbanking je chytré a bezpečné mobilní bankovnictví pro každodenní správu financí - s okamžitými platbami zdarma, správou karet, spořením, investováním a založením účtu online přes Bank iD. Rychlý start bez návštěvy pobočky Jste klientem Fio banky? Stačí si aplikaci stáhnout a jednoduše aktivovat. Ještě účet nemáte? Založte si ho přímo v aplikaci. Díky Bank iD zvládnete otevření účtu pohodlně online během několika minut. Nejdůležitější bankovní služby na pár klepnutí • Platby mobilem a hodinkami. • Okamžité platby zdarma v CZK i EUR. • Platby na kontakt. • QR platby a Zaplať mi. Přehled o financích kdykoliv a odkudkoliv • Zůstatky a pohyby na účtech. • Správa karet, jejich limitů i zabezpečení. • Widget se zůstatkem na plochu mobilu. • Přizpůsobení aplikace dle vlastních potřeb. Více než jen běžný účet • Nová karta ihned. • Spoření. • Investování. • Půjčka a kontokorent. • Pojištění ke kartám. Bezpečnost, na kterou se můžete spolehnout Aplikace splňuje nejmodernější bezpečnostní standardy a chrání vaše finance při přihlášení i potvrzování transakcí. Nově si během telefonátu můžete v aplikaci ověřit, že vám skutečně volá Fio banka. Stejně tak můžete během telefonátu bezpečně potvrdit svou totožnost bankéři. K dispozici je také zabezpečená komunikace přes Fio servis a možnost kontaktovat infolinku přímo z aplikace.

Screenshots

Smart Banking4 screens
Fio Smartbanking CZ4 screens

Verdict

The call

The clearest difference is rating: Smart Banking at 4.6 against Fio Smartbanking CZ's 4.1. Smart Banking also leads on ratings volume (418 vs 39). Fio Smartbanking CZ's advantage is update cadence (every 11 days vs every 2 months). On price, review sentiment, ads and in-app purchases 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

Smart Banking holds the better App Store score, 4.6 against 4.1. That said, the two scores are not equally well evidenced: Smart Banking has 418 ratings behind it against 39, so its average is the more settled of the two. Written reviews complicate that: 57% of Smart Banking's written reviews are positive against 62% of Fio Smartbanking CZ's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

Smart Banking ships an update every 2 months, Fio Smartbanking CZ every 11 days. The most recent releases landed on September 23, 2026 and September 8, 2026 respectively.

Scorecard3 real differences · 7 level
Smart Banking versus Fio Smartbanking CZ: the parameters behind the verdict, then further details
ParameterSmart BankingFio Smartbanking CZ
PriceFreeFree
Rating4.6 (418 ratings) — better4.1 (39 ratings)
Positive reviews56.7% of reviews61.6% of reviews — better
Number of ratings418 — better39
Update frequencyEvery 2 monthsEvery 11 days — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.0 — better15.6
Further details — not scored
Size708 MB86 MB
Age rating4+4+
DeveloperUniCredit Bank Czech Republic and Slovakia, a.s.Fio banka, a.s.

Customer experience

Smart Banking

All ratings418 ratings
Positive90.9%
Neutral1.7%
Negative7.4%
Written reviews30 reviews
Positive56.7%
Neutral0.0%
Negative43.3%

Fio Smartbanking CZ

All ratings39 ratings
Positive76.9%
Neutral0.0%
Negative23.1%
Written reviews112 reviews
Positive61.6%
Neutral6.3%
Negative32.1%

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

Fio Smartbanking CZ

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Smart Banking

No in-app purchases

None

Fio Smartbanking CZ

No in-app purchases

Questions

Is Smart Banking free?
Smart Banking is free to download, with no in-app purchases.
Is Fio Smartbanking CZ free?
Fio Smartbanking CZ is free to download, with no in-app purchases.
Which has better reviews, Smart Banking or Fio Smartbanking CZ?
Smart Banking is rated higher. Smart Banking averages 4.6 out of 5 from 418 ratings, while Fio Smartbanking CZ averages 4.1 from 39 ratings.
Do Smart Banking or Fio Smartbanking CZ have ads?
Neither Smart Banking nor Fio Smartbanking CZ shows ads.
Which is updated more often, Smart Banking or Fio Smartbanking CZ?
Smart Banking ships an update every 2 months, and Fio Smartbanking CZ every 11 days. Most recently, Smart Banking was updated on September 23, 2026 and Fio Smartbanking CZ on September 8, 2026.

Other comparisons