Smart Banking vs Partners
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- 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
Read full descriptionHide 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.
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.
- All accounts in one app
- Investment tracking
- Mortgage and insurance management
- Card management
- Compare and arrange financial products
- Digital contract signing
Read full descriptionHide 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
Verdict
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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
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.
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.
| Parameter | Smart Banking | Partners |
|---|---|---|
| Price | Free | Free |
| Rating | 4.6 (418 ratings) | 5.0 (4 ratings) — better |
| Positive reviews | 56.7% of reviews | 73.2% of reviews — better |
| Number of ratings | 418 — better | 4 |
| Update frequency | Every 2 months | Every 3 days — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free — better | Free with in-app purchases |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 15.0 — better | 15.5 |
| Further details — not scored | ||
| Size | 708 MB | 594 MB |
| Age rating | 4+ | 4+ |
| Developer | UniCredit Bank Czech Republic and Slovakia, a.s. | PBK Technology, s.r.o. |
Customer experience
Smart Banking
Partners
User reviews
Smart Banking
From 418 App Store ratingsWhat 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 ratingsWhat 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 moreShow fewer
- “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 moreShow fewer
- 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 moreShow fewer
- 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
Smart Banking
No in-app purchases
Partners
No in-app purchases









