Comparison

mBank CZ vs MONETA Smart Banka

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

mBank CZ

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
Read full description

Mějte své finance stále pod kontrolou a v bezpečí zároveň. Mobilní aplikace od mBank skloubila nejpokročilejší bezpečností systémy s uživatelsky přívětivým prostředím. Správa peněz ještě nikdy nebyla vymakanější. Jak vám mobilní aplikace od mBank usnadní život? 1. Přehled o svých financích budete mít stále po ruce – díky notifikacím se hned dozvíte o každém pohybu na účtu. 2. Otevře vám cestu do světa mobilních plateb – s bankovnictvím v mobilu vám k bezkontaktním platbám stačí telefon a palec nebo chytré hodinky. 3. Převod peněz bude otázkou pár kliknutí – uskutečníte jej snadno a rychle pomocí QR kódů nebo mobilních čísel. 4. Online platby se stanou ještě bezpečnější – k jejich potvrzení použijete mKlíč, který chrání váš unikátní PIN nebo biometrie. 5. Usnadní vám správu platebních karet – nastavení limitů, změny PINu nebo rychlého zablokování karty. 6. Zpřístupní vám výhody virtuálních karet – eKartu si snadno objednáte přímo v aplikaci. 7. Umožní vám sjednání půjčky, spoření, pojištění a dalších bankovních produktů – předschválenou půjčku můžete mít na účtu do 3 minut. Co se bezpečnosti týče, jsme nekompromisní Bezpečnost vašich financí je pro nás prioritou. Proto mobilní aplikaci od mBank chrání ty nejpokročilejší funkce. • Přihlášení a každý úkon vyžaduje vámi vybraný unikátní PIN nebo ověření pomocí otisku prstu, případně obličeje. • Při odcizení telefonu aplikaci odpojíte skrz internetové bankovnictví. • Díky pokročilým šifrovacím protokolům nikdo nezneužije vaše hesla, PINy ani další osobní údaje. Ještě nemáte mKonto? Vyhněte se návštěvám poboček. Bankovní účet od mBank si založíte pohodlně odkudkoli. Stáhněte si mobilní aplikaci mBank a dostaňte své finance pod kontrolu ještě dnes.

About

MONETA Smart Banka

Manage your bank accounts conveniently from your phone with this free mobile banking application. Open accounts remotely, check balances, make payments, and access various banking services securely. It offers features like card management, loan overviews, and ATM locators.

Highlights
  • Remote account opening
  • Check account balances
  • Make payments and top up credit
  • Card management (blocking, limits)
  • Loan and investment overviews
  • ATM locator with filters
  • Secure PIN and Touch ID login
Features
Read full description

Smart Banka app is a free mobile banking app which offers quick and easy way to manage your bank accounts from your phone. You can open our Tom checking account without the need to visit one of our branches. You will have easy access to our services, check your balance, make payments, top up your credit, or find the nearest branch. You can log in using a PIN or via Touch ID. Your PIN will also be used to confirm payment orders which eliminates the need for mobile confirmation. Both downloading and using the app is completely free of charge. How to? Download the app from your App Store, pair with your Internet Banka using the instructions within the app, and start using it. Is it safe? Yes. Digital attacks are very complicated. Logging into the app and payment orders are protected by 4-8 digit PIN number which only you know. Smart Banka also uses encrypted communication with the bank servers. What will you find in the Smart Banka app? • Option to open a checking account without visiting our branch • All your current balances including Bene+ • Transactions • Payment orders • Option to use a payment template or a QR code • Notices about unpaid bills and overdue payments • Map of ATMs with the option to filter out direct deposit ATMs • Credit top up • Temporary or immediate card blocking or unblocking in case of theft or loss • Changing card limits • Overview of your loans • Your investment product development • Current exchange rates • Managing user accounts (private, company, or eDisponent)

Screenshots

mBank CZ4 screens
MONETA Smart Banka4 screens

Verdict

The call

The clearest difference is rating: MONETA Smart Banka at 4.8 against mBank CZ's 4.4. MONETA Smart Banka also leads on device support (5 vs 2) and iOS requirement (16.0 vs 18.0). On price, review sentiment, ratings volume and update cadence 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

MONETA Smart Banka holds the better App Store score, 4.8 against 4.4. Both are backed by a comparable volume of ratings — 252 and 491 respectively. Written reviews point the same way: 46% of mBank CZ's written reviews are positive against 53% of MONETA Smart Banka's.

UpkeepUpdate frequency

mBank CZ ships an update every 2 weeks, MONETA Smart Banka every 9 days. The most recent releases landed on September 22, 2026 and September 17, 2026 respectively.

Scorecard3 real differences · 7 level
mBank CZ versus MONETA Smart Banka: the parameters behind the verdict, then further details
ParametermBank CZMONETA Smart Banka
PriceFreeFree
Rating4.4 (252 ratings)4.8 (491 ratings) — better
Positive reviews46.4% of reviews52.5% of reviews — better
Number of ratings252491 — better
Update frequencyEvery 2 weeksEvery 9 days — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPadiPhone, iPad, Mac, Apple TV, Apple Watch — better
Requires iOS18.016.0 — better
Further details — not scored
Size172 MB408 MB
Age rating4+4+
DevelopermBank S.A.MONETA Money Bank, a.s

Customer experience

mBank CZ

All ratings252 ratings
Positive87.3%
Neutral2.8%
Negative9.9%
Written reviews28 reviews
Positive46.4%
Neutral10.7%
Negative42.9%

MONETA Smart Banka

All ratings491 ratings
Positive95.1%
Neutral1.6%
Negative3.3%
Written reviews80 reviews
Positive52.5%
Neutral10.0%
Negative37.5%

Bugs and requests

mBank CZ

Not enough reviews yet to summarise bugs or requests.

MONETA Smart Banka

Reported bugs

25 issues
  • Widget not working correctly after update
  • App crashes on start
  • Account opening not possible through mobile app
  • Sudden shutdowns and inability to move between tabs
  • Error during activation, cannot activate via internet banking
Show 20 more
  • App repeatedly crashes on start on iPad (iPadOS 18)
  • Investment details not viewable by time period
  • Products disappearing from the app
  • Unable to login, keeps loading
  • Cannot open app, keeps loading
  • App crashes on start
  • Apple Watch app not working after latest update
  • App not working on iOS16
  • App shows only an error message: internal application error after update
  • App no longer works, cannot add new devices
  • App constantly not working, shows 'Oops, something went wrong'
  • Confirming payment broken after new design update
  • New design breaks basic functionality like custom tags for expenses
  • Force touch widget does not refresh
  • Cannot transfer money from account with different currency
  • Credit card repayment requires re-entry after update
  • Version 3 crashing immediately after start
  • Digital verification has many bugs and drops
  • App closes itself without warning after making payment
  • Cannot login after update, shows 'connection error'

Requested features

10 requests
  • Add ability to categorize payments
  • Improve investment details view with time periods
  • Allow adding investments to the first main page
  • Add portrait mode for iPad
  • Option to change design to older version
Show 5 more
  • Ability to categorize transactions on the fly
  • Option to change sort order of accounts
  • Support for multiple account logins
  • Allow money transfers on € accounts
  • Make credit card repayment more transparent

In-app purchases

None

mBank CZ

No in-app purchases

None

MONETA Smart Banka

No in-app purchases

Questions

Is mBank CZ free?
mBank CZ is free to download, with no in-app purchases.
Is MONETA Smart Banka free?
MONETA Smart Banka is free to download, with no in-app purchases.
Which has better reviews, mBank CZ or MONETA Smart Banka?
MONETA Smart Banka is rated higher. mBank CZ averages 4.4 out of 5 from 252 ratings, while MONETA Smart Banka averages 4.8 from 491 ratings.
Do mBank CZ or MONETA Smart Banka have ads?
Neither mBank CZ nor MONETA Smart Banka shows ads.
Which is updated more often, mBank CZ or MONETA Smart Banka?
mBank CZ ships an update every 2 weeks, and MONETA Smart Banka every 9 days. Most recently, mBank CZ was updated on September 22, 2026 and MONETA Smart Banka on September 17, 2026.

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