Comparison

mBank CZ vs KB Klíč

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

KB Klíč

Securely log into online banking and authorize payments with this app. It replaces texted codes with in-app confirmation, offering PIN and fingerprint authentication for enhanced security.

Highlights
  • Identity verification
  • Secure online banking login
  • Payment authorization
  • PIN authentication
  • Fingerprint authentication
  • Replaces texted codes
Read full description

The KB Klíč app verifies your identity and safely logs you into MojeBanka online banking and Komerční banka's other online apps. You don't have to enter a texted code and you also authorise payments through the app. You need the following for KB Klíč activation: - KB ID, which you will find in the Electronic Signature Agreement. You can also use your username/email - An activation code that you will receive at a KB branch or when you log into mujprofil.kb.cz otherwise than via KB Klíč The activation guide is available at https://www.kb.cz/en/faq-and-support/how-to-sign-in Set the PIN on the occasion of activation. You can set up your fingerprint if your phone supports them. Komerční banka will never see your fingerprints; they are retained in a secure repository in the phone. If your phone is connected to the internet the request to confirm the activation will be received automatically in your phone. Check and confirm the request. If offline, select 'The device is not connected to the internet' option in your computer. Using the KB Klíč app, scan the pictorial code from the computer's screen. Then confirm the code by the PIN or fingerprint. Finally, type the generated code in your computer. Please note: If you enter an incorrect PIN five times KB Klíč blocks access. You will then activate the apps using an activation code that you will receive in an ATM, at a KB branch or after logging into mujprofil.kb.cz otherwise than via KB Klíč. KB Klíč will not work for you if you have reinstalled software on your phone and your platform (root) is therefore not protected. All of this for the sake of security.

Screenshots

mBank CZ4 screens
KB Klíč4 screens

Verdict

The call

The clearest difference is review sentiment: KB Klíč at 83% against mBank CZ's 46%. KB Klíč also leads on rating (4.7 vs 4.4) and iOS requirement (15.0 vs 18.0). mBank CZ's advantage is update cadence (every 2 weeks vs every 2 months). On price, ratings volume, 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.

ReceptionRating · Positive reviews · Number of ratings

KB Klíč holds the better App Store score, 4.7 against 4.4. Both are backed by a comparable volume of ratings — 252 and 124 respectively. Written reviews point the same way: 46% of mBank CZ's written reviews are positive against 83% of KB Klíč's.

UpkeepUpdate frequency

mBank CZ ships an update every 2 weeks, KB Klíč every 2 months. The most recent releases landed on September 22, 2026 and July 5, 2026 respectively.

Scorecard4 real differences · 6 level
mBank CZ versus KB Klíč: the parameters behind the verdict, then further details
ParametermBank CZKB Klíč
PriceFreeFree
Rating4.4 (252 ratings)4.7 (124 ratings) — better
Positive reviews46.4% of reviews83.3% of reviews — better
Number of ratings252 — better124
Update frequencyEvery 2 weeks — betterEvery 2 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPadiPhone, iPod
Requires iOS18.015.0 — better
Further details — not scored
Size172 MB80 MB
Age rating4+4+
DevelopermBank S.A.Komercni banka a.s.

Customer experience

mBank CZ

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

KB Klíč

All ratings124 ratings
Positive92.7%
Neutral1.6%
Negative5.6%
Written reviews96 reviews
Positive83.3%
Neutral3.1%
Negative13.5%

In-app purchases

None

mBank CZ

No in-app purchases

None

KB Klíč

No in-app purchases

Questions

Is mBank CZ free?
mBank CZ is free to download, with no in-app purchases.
Is KB Klíč free?
KB Klíč is free to download, with no in-app purchases.
Which has better reviews, mBank CZ or KB Klíč?
KB Klíč is rated higher. mBank CZ averages 4.4 out of 5 from 252 ratings, while KB Klíč averages 4.7 from 124 ratings.
Do mBank CZ or KB Klíč have ads?
Neither mBank CZ nor KB Klíč shows ads.
Which is updated more often, mBank CZ or KB Klíč?
mBank CZ ships an update every 2 weeks, and KB Klíč every 2 months. Most recently, mBank CZ was updated on September 22, 2026 and KB Klíč on July 5, 2026.

Other comparisons