# Smart Banking vs Bulbank Mobile

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.

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

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.

Smart Banking ships an update every 2 months, Bulbank Mobile every 6 weeks. The most recent releases landed on November 1, 2026 and November 10, 2026 respectively.

## The numbers

| Metric | Smart Banking | Bulbank Mobile |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.6 (421 ratings)](https://appshunter.io/ios/app/smart-banking/id468057018/reviews) | **[4.6 (1.6K ratings)](https://appshunter.io/ios/app/bulbank-mobile/id475724779/reviews)** |
| Number of ratings | 421 | **1.6K** |
| Positive reviews | **54.8% of reviews** | 45.3% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | **Every 6 weeks** |
| Monetization | Free | Free |
| Size | 739 MB | 790 MB |
| Requires iOS | **15.0** | 15.8 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [UniCredit Bank Czech Republic and Slovakia, a.s.](https://appshunter.io/developer/468057021) | [UniCredit Bank Bulgaria powered by Asseco](https://appshunter.io/developer/475724782) |

## 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


### Bulbank Mobile

[App page](https://appshunter.io/ios/app/bulbank-mobile/id475724779)

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:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

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

**Reported bugs**

- Notification sound not working
- PIN screen not working
- Account not opening after face verification
- Verification code not sent
- Outdated balance display

**Requested features**

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


## Frequently asked 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 November 1, 2026 and Bulbank Mobile on November 10, 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.*