# Smart Banking vs mBank CZ

The clearest difference is update cadence: mBank CZ at every 2 weeks against Smart Banking's every 2 months. Smart Banking's advantage is review sentiment (57% vs 46%) and iOS requirement (15.0 vs 18.0). On price, rating, ratings volume and ads there is nothing between them.

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

Smart Banking holds the better App Store score, 4.6 against 4.4. Both are backed by a comparable volume of ratings — 418 and 252 respectively. Written reviews point the same way: 57% of Smart Banking's written reviews are positive against 46% of mBank CZ's.

Smart Banking ships an update every 2 months, mBank CZ every 2 weeks. The most recent releases landed on September 23, 2026 and September 22, 2026 respectively.

## The numbers

| Metric | Smart Banking | mBank CZ |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.6 (418 ratings)](https://appshunter.io/ios/app/smart-banking/id468057018/reviews)** | [4.4 (252 ratings)](https://appshunter.io/ios/app/mbank-cz/id468058234/reviews) |
| Number of ratings | **418** | 252 |
| Positive reviews | **56.7% of reviews** | 46.4% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | **Every 2 weeks** |
| Monetization | Free | Free |
| Size | 708 MB | 172 MB |
| Requires iOS | **15.0** | 18.0 |
| Devices | iPhone, iPod | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [UniCredit Bank Czech Republic and Slovakia, a.s.](https://appshunter.io/developer/468057021) | [mBank S.A.](https://appshunter.io/developer/678096910) |

## 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


### mBank CZ

[App page](https://appshunter.io/ios/app/mbank-cz/id468058234)

Manage your finances securely and conveniently with this mobile banking app. It offers real-time account overviews, mobile payments, quick money transfers, and secure online transaction confirmations. Easily manage your cards, order virtual cards, and access various banking products.

**Highlights:** Real-time account overview and notifications, Mobile contactless payments, Quick money transfers via QR codes or phone numbers, Secure online payment confirmation with mKlíč, Payment card management (limits, PIN, blocking), Virtual card ordering, Loan, savings, and insurance applications

**Features:** Apple Wallet, 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 mBank CZ free?

mBank CZ is free to download, with no in-app purchases.

### Which has better reviews, Smart Banking or mBank CZ?

Smart Banking is rated higher. Smart Banking averages 4.6 out of 5 from 418 ratings, while mBank CZ averages 4.4 from 252 ratings.

### Do Smart Banking or mBank CZ have ads?

Neither Smart Banking nor mBank CZ shows ads.

### Which is updated more often, Smart Banking or mBank CZ?

Smart Banking ships an update every 2 months, and mBank CZ every 2 weeks. Most recently, Smart Banking was updated on September 23, 2026 and mBank CZ on September 22, 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.*