# mBank CZ vs ČSOB Smart

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.

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

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.

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.

## The numbers

| Metric | mBank CZ | ČSOB Smart |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.4 (253 ratings)](https://appshunter.io/ios/app/mbank-cz/id468058234/reviews) | **[4.8 (756 ratings)](https://appshunter.io/ios/app/csob-smart/id1528483245/reviews)** |
| Number of ratings | 253 | **756** |
| Positive reviews | **46.4% of reviews** | 36.9% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 2 weeks** | Monthly |
| Monetization | **Free** | Free with in-app purchases |
| Size | 197 MB | 300 MB |
| Requires iOS | 18.0 | **16.4** |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [mBank S.A.](https://appshunter.io/developer/678096910) | [Československá obchodní banka, a.s.](https://appshunter.io/developer/479852418) |

## 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

**What reviewers like**

- 👍 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

**What reviewers complain about**

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

**Reported bugs**

- 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

**Requested features**

- 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


### ČSOB Smart

[App page](https://appshunter.io/ios/app/csob-smart/id1528483245)

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:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

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

**Reported bugs**

- Disappearing account balances and interest payments
- Payments not processed immediately
- Repeated login failures

**Requested features**

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


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