# Smart Banking vs Partners

The clearest difference is update cadence: Partners at every 4 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.

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 4 days. The most recent releases landed on October 12, 2026 and October 17, 2026 respectively.

## The numbers

| Metric | Smart Banking | Partners |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.6 (418 ratings)](https://appshunter.io/ios/app/smart-banking/id468057018/reviews) | **[5.0 (4 ratings)](https://appshunter.io/ios/app/partners/id1557274569/reviews)** |
| Number of ratings | **418** | 4 |
| Positive reviews | 56.7% of reviews | **73.2% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | **Every 4 days** |
| Monetization | **Free** | Free with in-app purchases |
| Size | 708 MB | 594 MB |
| Requires iOS | **15.0** | 15.5 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [UniCredit Bank Czech Republic and Slovakia, a.s.](https://appshunter.io/developer/468057021) | [PBK Technology, s.r.o.](https://appshunter.io/developer/1557274571) |

## 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


### Partners

[App page](https://appshunter.io/ios/app/partners/id1557274569)

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:** macOS Compatibility, Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 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

**What reviewers complain about**

- 🙄 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)

**Reported bugs**

- 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

**Requested features**

- 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


## Frequently asked 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 4 days. Most recently, Smart Banking was updated on October 12, 2026 and Partners on October 17, 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.*