Comparison

Smart Banking vs Partners

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

Partners

Manage all your accounts, investments, mortgages, and insurance in one secure app. Easily compare and arrange new financial products, track investments, and manage cards. Your complete financial overview, simplified.

Highlights
  • All accounts in one app
  • Investment tracking
  • Mortgage and insurance management
  • Card management
  • Compare and arrange financial products
  • Digital contract signing
Features
Read full description

Účty, investice, hypotéky, pojistky .. u nás nebo jinde, prostě všechno v jedné apce. Jednoduše, přehledně a bezpečně. Finance pod palcem V apce vyřešíte všechno. Úplně všechno. Balíček pro jednoho se vším všudy Nejen účet, karty, spoření, platby i výběry z bankomatů zdarma. Ale i pojistky, investice nebo třeba účty v jiných bankách v jedné apce. A co ještě nemáte, jednoduše v ní srovnáte i sjednáte. Nebo vám pomůže váš osobní poradce Partners. Prozkoumejte balíček pro jednoho. Připojte, co chcete Od účtů v jiné bance po papírové pojistky z šuplíku. Žádné papírování Od zřízení po zrušení účtu, podepisování smluv nebo potvrzení. Vše na ťuknutí. Správa karet Zřídit kartu, zmrazit kartu, změnit PIN a nebo limity? Ale jistě. Srovnat a sjednat Srovnání a sjednání třeba pojištění auta, majetku nebo dovolené na dosah. Investiční reporting Neustálý přehled o tom, jak se daří Vašim investicím, ať už jste investovali jednorázově, nebo investujete pravidelně.

Screenshots

Smart Banking4 screens
Partners4 screens

Verdict

The call

The clearest difference is update cadence: Partners at every 3 days against Smart Banking's every 2 months. Partners also leads on rating (5.0 vs 4.6) and review sentiment (73% vs 57%). Smart Banking's advantage is monetization model (free vs free with in-app purchases) and ratings volume (418 vs 4). On price, ads, in-app purchases and device support 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

Partners holds the better App Store score, 5.0 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 73% of Partners's.

UpkeepUpdate frequency

Smart Banking ships an update every 2 months, Partners every 3 days. The most recent releases landed on October 12, 2026 and October 13, 2026 respectively.

Scorecard5 real differences · 5 level
Smart Banking versus Partners: the parameters behind the verdict, then further details
ParameterSmart BankingPartners
PriceFreeFree
Rating4.6 (418 ratings)5.0 (4 ratings) — better
Positive reviews56.7% of reviews73.2% of reviews — better
Number of ratings418 — better4
Update frequencyEvery 2 monthsEvery 3 days — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree — betterFree with in-app purchases
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS15.0 — better15.5
Further details — not scored
Size708 MB594 MB
Age rating4+4+
DeveloperUniCredit Bank Czech Republic and Slovakia, a.s.PBK Technology, s.r.o.

Customer experience

Smart Banking

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

Partners

All ratings4 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews56 reviews
Positive73.2%
Neutral1.8%
Negative25.0%

User reviews

Smart Banking

From 418 App Store ratings

What we love

  • 👍 Intuitive and clean interface
  • 🚀 Fast payments and transfers
  • 👍 Easy to navigate
  • 🔒 Strong security features
  • 👍 Bilingual app functionality

Room to improve

  • 🐛 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

Partners

From 4 App Store ratings

What we love

  • 👍 User-friendly and intuitive
  • 🚀 Fast and responsive
  • ✨ Clean and clear interface
  • 💡 Innovative features (e.g., no foreign transaction fees)
  • ✅ All banking tasks in one app

Room to improve

  • 🙄 Difficult onboarding/activation process (ID photo, phone calls)
  • 📢 Aggressive marketing notifications/ads
  • 🐛 Bugs and glitches (app crashes, language overlap)
  • 🚫 Limited customization options
  • 💳 Issues with card payments abroad (mentioned by one user)

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

Partners

Reported bugs

10 issues
  • App crashes after opening
  • ID/document scanning fails
  • App appears on device without user consent
  • Login issues on MacBook
  • Text overflows with display zoom enabled
Show 5 more
  • Language overlap in English version
  • App freezes during onboarding
  • Cannot enter full account number for outgoing payments
  • App gets stuck during account creation
  • Dark/light mode switching breaks the app

Requested features

11 requests
  • Allow disabling marketing popups
  • Improve ID/document scanning for onboarding
  • Add graphs for income/expenses and pension development
  • Filter incoming/outgoing payments by time period
  • Allow editing/canceling standing orders
Show 6 more
  • Option to add disponent for free
  • More customization for bottom panel
  • Easier search for payment templates
  • Add email notification settings
  • Similar savings feature to ČSOB Drobné
  • Option for two-person accounts without extra charge

In-app purchases

None

Smart Banking

No in-app purchases

None

Partners

No in-app purchases

Questions

Is Smart Banking free?
Smart Banking is free to download, with no in-app purchases.
Is Partners free?
Partners is free to download, with no in-app purchases.
Which has better reviews, Smart Banking or Partners?
Partners is rated higher. Smart Banking averages 4.6 out of 5 from 418 ratings, while Partners averages 5.0 from 4 ratings.
Do Smart Banking or Partners have ads?
Neither Smart Banking nor Partners shows ads.
Which is updated more often, Smart Banking or Partners?
Smart Banking ships an update every 2 months, and Partners every 3 days. Most recently, Smart Banking was updated on October 12, 2026 and Partners on October 13, 2026.

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