# Smart Banking vs UniCredit Authenticator

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.

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

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

## The numbers

| Metric | Smart Banking | UniCredit Authenticator |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.6 (418 ratings)](https://appshunter.io/ios/app/smart-banking/id468057018/reviews)** | — |
| Number of ratings | **418** | — |
| Positive reviews | 56.7% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | Every 2 months |
| Monetization | Free | — |
| Size | 708 MB | 34 MB |
| Requires iOS | 15.0 | **13.0** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [UniCredit Bank Czech Republic and Slovakia, a.s.](https://appshunter.io/developer/468057021) | [UniCredit](https://appshunter.io/developer/396670011) |

## 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


### UniCredit Authenticator

[App page](https://appshunter.io/ios/app/unicredit-authenticator/id6503944162)

**In-app purchases:** none


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*