Comparison

Smart Banking vs Bulbank Mobile

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

Bulbank Mobile

Manage your finances conveniently from your mobile device. Perform local and international transfers, pay bills, track expenses with detailed analysis, and apply for new banking products digitally. Secure online payments and card management are also available.

Highlights
  • Local and international transfers
  • Mobile number transfers
  • Utility bill and tax payments
  • Expense and account movement tracking
  • Personalized spending analysis
  • Secure online payments
  • Digital banking product applications
  • Card locking and unlocking
Features
Read full description

С Булбанк Мобайл банкирането е на върха на пръстите ти! Знаем, че искаш да имаш време за важните неща, затова създадохме мобилното банкиране на УниКредит Булбанк специално за теб. За да направи работата ти с банката бърза, удобна и по всяко време. Все още не използваш финансовите ни услуги? Стани клиент на УниКредит Булбанк изцяло дигитално в няколко лесни стъпки през мобилното приложение Булбанк Мобайл. Откриваш сметка само със селфи, подписваш документите дигитално и получаваш банковата си карта с напълно безплатна доставка, до удобен за теб адрес. С мобилното банкиране Булбанк Мобайл: • Извършваш, както местни така и международни преводи по всяко време • Правиш превод по мобилен номер, без да е необходимо да имаш информация за IBAN и банка на получателя • Проверяваш и плащаш битови сметки и местни данъци и такси • Проследяваш разходите си и движенията по твоите сметки • Имаш достъп до изцяло персонализиран анализ на твоите разходи и приходи в над 15 категории • Извършваш сигурни плащания в интернет с 3D динамична парола • Управляваш активно банковите си продукти – от дебитна карта и разплащателна сметка до инвестиции и кредити • Заявяваш банкови продукти изцяло дигитално, без посещение на банков филиал – потребителски кредит, дигитална дебитна карта, депозит и още много други • Заключваш и отключваш картите си по всяко време • Разсрочваш покупките си с UniCredit Shopping Card • Използваш М-токен като бърз и сигурен начин за достъп до твоето онлайн банкиране - Булбанк Онлайн И не само това! Влез в страницата на мобилното приложение и разгледай всички функционалности или директно изтегли приложението и виж колко лесно се случва всичко. With Bulbank Mobile, banking is at your fingertips! We know you want to have time for the things that matter, which is why we created UniCredit Bulbank Mobile Banking especially for you. To make your banking experience fast, convenient and available 24/7. Not using our financial services yet? Become a customer of UniCredit Bulbank fully digitally in a few easy steps via Bulbank Mobile. You can open an account with just a selfie, sign the documents digitally and receive your bank card with completely free delivery, to your convenient address. With Bulbank Mobile you can: • Make both local and international transfers anytime • Make a transfer to a mobile number without a need to have the IBAN and bank information of the recipient • Check and pay utility bills and local taxes and fees • Track your spendings and account movements • You have access to a fully personalized analysis of your spending and incomes pattern in over 15 categories • Make secure payments online with a 3D dynamic password • Actively manage your banking products, from debit card and current account to investments and loans • Apply and request for banking products entirely digitally, without visiting a bank branch - consumer credit, digital debit card, deposit and much more • Lock and unlock your cards at any time • Defer your purchases into installments with UniCredit Shopping Card • Use M-token as a fast and secure way to access your online banking - Bulbank Online And not only that! Check out mobile app website page and explore all the features, or download the app directly and see how easy everything is.

Screenshots

Smart Banking4 screens
Bulbank Mobile4 screens

Verdict

The call

Smart Banking and Bulbank Mobile both sit at 4.6 stars, but that hides the real split: 55% of Smart Banking's written reviews are positive against 45% of Bulbank Mobile's. Bulbank Mobile's advantage is ratings volume (1.6K vs 421). On price, rating, update cadence and ads 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

On the App Store both sit at effectively the same score — 4.6 for Smart Banking against 4.6 for Bulbank Mobile. Both are backed by a comparable volume of ratings — 421 and 1.6K respectively. Written reviews are what separate them: 55% of Smart Banking's written reviews are positive against 45% of Bulbank Mobile's.

UpkeepUpdate frequency

Smart Banking ships an update every 2 months, Bulbank Mobile every 6 weeks. The most recent releases landed on October 24, 2026 and October 29, 2026 respectively.

Scorecard2 real differences · 8 level
Smart Banking versus Bulbank Mobile: the parameters behind the verdict, then further details
ParameterSmart BankingBulbank Mobile
PriceFreeFree
Rating4.6 (421 ratings)4.6 (1.6K ratings) — better
Positive reviews54.8% of reviews — better45.3% of reviews
Number of ratings4211.6K — better
Update frequencyEvery 2 monthsEvery 6 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.0 — better15.8
Further details — not scored
Size739 MB790 MB
Age rating4+4+
DeveloperUniCredit Bank Czech Republic and Slovakia, a.s.UniCredit Bank Bulgaria powered by Asseco

Customer experience

Smart Banking

All ratings421 ratings
Positive90.7%
Neutral1.7%
Negative7.6%
Written reviews31 reviews
Positive54.8%
Neutral0.0%
Negative45.2%

Bulbank Mobile

All ratings1,590 ratings
Positive90.8%
Neutral3.0%
Negative6.2%
Written reviews75 reviews
Positive45.3%
Neutral8.0%
Negative46.7%

User reviews

Smart Banking

From 421 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

Bulbank Mobile

From 1.6K App Store ratings

What we love

  • 🚀 Works great
  • 🚀 Useful banking services
  • 👍 Nice and easy to use
  • 👍 Intuitive and convenient
  • 👍 Quality app

Room to improve

  • 🔔 Too many messages and notifications
  • 🐛 Unreliable support
  • 🐛 Not showing liabilities after office hours
  • ⏱️ Slow app
  • 🐛 Crashes and bugs

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

Bulbank Mobile

Reported bugs

6 issues
  • Notification sound not working
  • PIN screen not working
  • Account not opening after face verification
  • Verification code not sent
  • Outdated balance display
Show 1 more
  • Slow loading and crashes

Requested features

5 requests
  • Option to delete unwanted bills
  • Organize transactions into categories
  • Faster transaction updates
  • Notification sound option
  • Master PIN creation link

In-app purchases

None

Smart Banking

No in-app purchases

None

Bulbank Mobile

No in-app purchases

Questions

Is Smart Banking free?
Smart Banking is free to download, with no in-app purchases.
Is Bulbank Mobile free?
Bulbank Mobile is free to download, with no in-app purchases.
Which has better reviews, Smart Banking or Bulbank Mobile?
Bulbank Mobile is rated higher. Smart Banking averages 4.6 out of 5 from 421 ratings, while Bulbank Mobile averages 4.6 from 1.6K ratings.
Do Smart Banking or Bulbank Mobile have ads?
Neither Smart Banking nor Bulbank Mobile shows ads.
Which is updated more often, Smart Banking or Bulbank Mobile?
Smart Banking ships an update every 2 months, and Bulbank Mobile every 6 weeks. Most recently, Smart Banking was updated on October 24, 2026 and Bulbank Mobile on October 29, 2026.

Other comparisons