# mBank CZ vs MONETA Smart Banka

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.

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

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.

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.

## The numbers

| Metric | mBank CZ | MONETA Smart Banka |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.4 (252 ratings)](https://appshunter.io/ios/app/mbank-cz/id468058234/reviews) | **[4.8 (491 ratings)](https://appshunter.io/ios/app/moneta-smart-banka/id1122443334/reviews)** |
| Number of ratings | 252 | **491** |
| Positive reviews | 46.4% of reviews | **52.5% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 weeks | **Every 9 days** |
| Monetization | Free | Free |
| Size | 172 MB | 408 MB |
| Requires iOS | 18.0 | **16.0** |
| Devices | iPhone, iPad | **iPhone, iPad, Mac, Apple TV, Apple Watch** |
| Age rating | 4+ | 4+ |
| Developer | [mBank S.A.](https://appshunter.io/developer/678096910) | [MONETA Money Bank, a.s](https://appshunter.io/developer/483589701) |

## What reviewers say

### mBank CZ

[App page](https://appshunter.io/ios/app/mbank-cz/id468058234)

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:** Apple Wallet, Vision Pro support

**In-app purchases:** none


### MONETA Smart Banka

[App page](https://appshunter.io/ios/app/moneta-smart-banka/id1122443334)

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:** Apple Wallet, Apple Watch app, iMessage stickers, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 User-friendly and simple
- 🚀 Fast and efficient
- 💯 Reliable and stable (historically)
- ✨ Modern design (for some)
- ✅ Many useful features

**What reviewers complain about**

- 🐛 App crashes frequently
- 🐌 Slow loading times
- 😵 Messy and hard to navigate
- ❌ Unreliable, often not working
- 🫥 Login issues and errors

**Reported bugs**

- 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

**Requested features**

- 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


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