Comparison

mBank CZ vs ČSOB Smart 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

ČSOB Smart klíč

Securely log in and confirm transactions for online banking and e-commerce. This app offers biometric authentication like Face ID or fingerprint, eliminating the need for SMS codes. It also provides offline transaction confirmation and a branch/ATM locator.

Highlights
  • Secure login and payment confirmation
  • Biometric authentication (Face ID, fingerprint)
  • Offline transaction confirmation
  • Remote verification for calls
  • Branch and ATM locator
  • Supports mobile phones and tablets
Features
Read full description

The ČSOB Smart Key will make it easier for you to log in and confirm payments in internet banking, as well as card payments in e-shops, or remote verification when calling the Infoline or a bank branch. You don't have to wait for a confirmation SMS and then rewrite the code from it. With the Smart Key, notifications will pop up immediately and you will confirm the request with a Face ID, fingerprint, or numerical PIN. Why to use ČSOB Smart Key application: • Conveniently log in and confirm the payment in internet banking • Easily confirm card payments on the Internet • The app can verify you remotely when calling the Infoline or bank branch • You can use a Face ID or fingerprint instead of a numerical PIN • Authentication complies with bank-grade security standards • Being offline is not a problem: app works also offline for confirming transactions in internet banking • A map of branches and ATMs is a part of the app • You can install it on both your mobile phones and tablets After downloading, simply activate the application in internet banking. For more information visit page https://www.csob.cz/smartkey

Screenshots

mBank CZ4 screens
ČSOB Smart klíč4 screens

Verdict

The call

The clearest difference is update cadence: mBank CZ at every 2 weeks against ČSOB Smart klíč's every 6 weeks. mBank CZ also leads on review sentiment (46% vs 33%) and ratings volume (253 vs 32). ČSOB Smart klíč's advantage is device support (4 vs 2) and iOS requirement (15.0 vs 18.0). On price, rating, 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

mBank CZ holds the better App Store score, 4.4 against 4.3. That said, the two scores are not equally well evidenced: mBank CZ has 253 ratings behind it against 32, so its average is the more settled of the two. Written reviews point the same way: 46% of mBank CZ's written reviews are positive against 33% of ČSOB Smart klíč's.

UpkeepUpdate frequency

mBank CZ ships an update every 2 weeks, ČSOB Smart klíč every 6 weeks. The most recent releases landed on October 23, 2026 and October 24, 2026 respectively.

Scorecard5 real differences · 5 level
mBank CZ versus ČSOB Smart klíč: the parameters behind the verdict, then further details
ParametermBank CZČSOB Smart klíč
PriceFreeFree
Rating4.4 (253 ratings) — better4.3 (32 ratings)
Positive reviews46.4% of reviews — better33.3% of reviews
Number of ratings253 — better32
Update frequencyEvery 2 weeks — betterEvery 6 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPadiPhone, iPad, iPod, Apple Watch — better
Requires iOS18.015.0 — better
Further details — not scored
Size197 MB113 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 klíč

All ratings32 ratings
Positive84.4%
Neutral0.0%
Negative15.6%
Written reviews12 reviews
Positive33.3%
Neutral0.0%
Negative66.7%

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 klíč

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

mBank CZ

No in-app purchases

None

ČSOB Smart klíč

No in-app purchases

Questions

Is mBank CZ free?
mBank CZ is free to download, with no in-app purchases.
Is ČSOB Smart klíč free?
ČSOB Smart klíč is free to download, with no in-app purchases.
Which has better reviews, mBank CZ or ČSOB Smart klíč?
mBank CZ is rated higher. mBank CZ averages 4.4 out of 5 from 253 ratings, while ČSOB Smart klíč averages 4.3 from 32 ratings.
Do mBank CZ or ČSOB Smart klíč have ads?
Neither mBank CZ nor ČSOB Smart klíč shows ads.
Which is updated more often, mBank CZ or ČSOB Smart klíč?
mBank CZ ships an update every 2 weeks, and ČSOB Smart klíč every 6 weeks. Most recently, mBank CZ was updated on October 23, 2026 and ČSOB Smart klíč on October 24, 2026.

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