Comparison

mBank CZ vs ČSOB Smart

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

ČSOB Smart

Manage your entire banking and insurance needs from your mobile device. Open new accounts, track all your finances, make payments, and handle insurance claims and policies with ease. Securely access your accounts and customize your experience.

Highlights
  • Open new accounts
  • Track account balances
  • Scan and pay invoices
  • Manage loans and mortgages
  • Control bank cards
  • Arrange insurance and loans
  • Manage insurance contracts
Features
Read full description

With ČSOB Smart you have the whole bank and insurance company in your mobile. You are not a client yet? It is not a problem, you can become one right in the app – opening a current account takes only few minutes. Why it is great to have ČSOB Smart: 1. Your money is safe, it is protected not only by your bank identity, but also by Face ID or Touch ID. 2. You always know how much money you have, both in your current and savings account, and even on investments account. 3. It makes payments easy, even invoice payment, thanks to the possibility to scan it from a QR code. 4. You have a perfect control of accounts, mortgages, loans, insurance and other ČSOB products. 5. You can change your card limit, display forgotten PIN code, or temporarily lock the card, and it all takes no time. 6. It allows you to easily arrange a loan, savings, investments, travel insurance and other products. 7. Here you may manage your insurance contracts, report an insurance event and monitor its handling progress. You can also find here your insurance documents, such as your Green Card. 8. You can customize it according to your needs, adjust the order of the products or set the dark mode of an app. And that's not all! You can explore more features after downloading it.

Screenshots

mBank CZ4 screens
ČSOB Smart4 screens

Verdict

The call

The clearest difference is rating: ČSOB Smart at 4.8 against mBank CZ's 4.4. ČSOB Smart also leads on iOS requirement (16.4 vs 18.0). mBank CZ's advantage is monetization model (free vs free with in-app purchases) and review sentiment (46% vs 37%). On price, ratings volume, update cadence and ads 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

ČSOB Smart holds the better App Store score, 4.8 against 4.4. Both are backed by a comparable volume of ratings — 253 and 756 respectively. Written reviews complicate that: 46% of mBank CZ's written reviews are positive against 37% of ČSOB Smart's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

mBank CZ ships an update every 2 weeks, ČSOB Smart monthly. The most recent releases landed on October 23, 2026 and October 24, 2026 respectively.

Scorecard4 real differences · 6 level
mBank CZ versus ČSOB Smart: the parameters behind the verdict, then further details
ParametermBank CZČSOB Smart
PriceFreeFree
Rating4.4 (253 ratings)4.8 (756 ratings) — better
Positive reviews46.4% of reviews — better36.9% of reviews
Number of ratings253756 — better
Update frequencyEvery 2 weeks — betterMonthly
AdsNoNo
In-app purchasesNoNo
MonetizationFree — betterFree with in-app purchases
DevicesiPhone, iPadiPhone, iPad
Requires iOS18.016.4 — better
Further details — not scored
Size197 MB300 MB
Age rating4+4+
DevelopermBank S.A.Československá obchodní banka, a.s.

Customer experience

mBank CZ

All ratings253 ratings
Positive86.6%
Neutral3.6%
Negative9.9%
Written reviews28 reviews
Positive46.4%
Neutral10.7%
Negative42.9%

ČSOB Smart

All ratings748 ratings
Positive95.2%
Neutral1.1%
Negative3.7%
Written reviews122 reviews
Positive36.9%
Neutral7.4%
Negative55.7%

User reviews

mBank CZ

From 253 App Store ratings

What we love

  • 👍 Super app, fast, simple
  • 👍 Nice update, shows full card number and CVV2
  • 👍 Works well, no crashes
  • 👍 Great app, easy access, good UI/UX
  • 👍 Very satisfied with this app

Room to improve

  • 👎 Confusing app interface
  • 👎 Inconsistent English support
  • 👎 Annoying notifications cannot be easily dismissed
  • 👎 Limited compared to web banking
  • 👎 Incorrect notifications for 0.00 Kč payments

ČSOB Smart

From 756 App Store ratings

What we love

  • 👍 Consistent app design
  • 🚀 Reliable and stable
  • 💡 Useful features like Kate assistant

Room to improve

  • 🐛 Frequent crashes and login issues
  • ⏱️ Slow performance and long loading times
  • 🤔 Confusing UI and navigation
  • 🤯 Forced updates and compatibility issues

Bugs and requests

mBank CZ

Reported bugs

10 issues
  • Cannot easily dismiss commercial notifications
  • Receiving false notifications for 0.00 Kč incoming payments
  • App crashes when clicking on savings account
  • SMS notifications not delivered
  • Text search in transaction history not working
Show 5 more
  • Update prevents login
  • App crashes on iPhone 13 and up
  • Login issue with new phone linking
  • Pairing process fails repeatedly
  • Cannot find ATM map

Requested features

9 requests
  • Display app in landscape mode
  • Add Face ID for purchases
  • Allow changing card limits
  • Enable easier auto transfers between accounts
  • Show current balance after each transaction
Show 4 more
  • Allow defining custom expense categories
  • Improve English translation consistency
  • Fix Czech keyboard diacritic issue
  • Enable landscape mode support

ČSOB Smart

Reported bugs

3 issues
  • Disappearing account balances and interest payments
  • Payments not processed immediately
  • Repeated login failures

Requested features

4 requests
  • Add support for older iOS versions
  • Improve transaction history and search
  • Introduce more language options
  • Provide iPad-optimized layout

In-app purchases

None

mBank CZ

No in-app purchases

None

ČSOB Smart

No in-app purchases

Questions

Is mBank CZ free?
mBank CZ is free to download, with no in-app purchases.
Is ČSOB Smart free?
ČSOB Smart is free to download, with no in-app purchases.
Which has better reviews, mBank CZ or ČSOB Smart?
ČSOB Smart is rated higher. mBank CZ averages 4.4 out of 5 from 253 ratings, while ČSOB Smart averages 4.8 from 756 ratings.
Do mBank CZ or ČSOB Smart have ads?
Neither mBank CZ nor ČSOB Smart shows ads.
Which is updated more often, mBank CZ or ČSOB Smart?
mBank CZ ships an update every 2 weeks, and ČSOB Smart monthly. Most recently, mBank CZ was updated on October 23, 2026 and ČSOB Smart on October 24, 2026.

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