Comparison

Smart Banking vs UniCredit Authenticator

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

UniCredit Authenticator

Read full description

Con UniCredit Authenticator hai un nuovo custode per i tuoi dati. Grazie al sistema di autenticazione forte, accedi ai sistemi bancari generando ogni volta una password temporanea differente. Un livello di protezione in più, un pensiero in meno.

Screenshots

Smart Banking4 screens
UniCredit Authenticator4 screens

Verdict

The call

The clearest difference is iOS requirement: UniCredit Authenticator at 13.0 against Smart Banking's 15.0. On price, update cadence, ads and in-app purchases 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.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly every 2 months. The most recent releases landed on October 12, 2026 and October 8, 2026 respectively.

Scorecard1 real difference · 9 level
Smart Banking versus UniCredit Authenticator: the parameters behind the verdict, then further details
ParameterSmart BankingUniCredit Authenticator
PriceFreeFree
Rating4.6 (418 ratings) — better—
Positive reviews56.7% of reviews—
Number of ratings418 — better—
Update frequencyEvery 2 monthsEvery 2 months
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.013.0 — better
Further details — not scored
Size708 MB34 MB
Age rating4+4+
DeveloperUniCredit Bank Czech Republic and Slovakia, a.s.UniCredit

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

UniCredit Authenticator

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Smart Banking

No in-app purchases

None

UniCredit Authenticator

No in-app purchases

Questions

Is Smart Banking free?
Smart Banking is free to download, with no in-app purchases.
Is UniCredit Authenticator free?
UniCredit Authenticator is free to download, with no in-app purchases.
Do Smart Banking or UniCredit Authenticator have ads?
Neither Smart Banking nor UniCredit Authenticator shows ads.
Which is updated more often, Smart Banking or UniCredit Authenticator?
Smart Banking ships an update every 2 months, and UniCredit Authenticator every 2 months. Most recently, Smart Banking was updated on October 12, 2026 and UniCredit Authenticator on October 8, 2026.

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