# mBank CZ vs ČSOB Smart klíč

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.

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

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.

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.

## The numbers

| Metric | mBank CZ | ČSOB Smart klíč |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.4 (253 ratings)](https://appshunter.io/ios/app/mbank-cz/id468058234/reviews)** | [4.3 (32 ratings)](https://appshunter.io/ios/app/csob-smart-klic/id990273436/reviews) |
| Number of ratings | **253** | 32 |
| Positive reviews | **46.4% of reviews** | 33.3% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 2 weeks** | Every 6 weeks |
| Monetization | Free | Free |
| Size | 197 MB | 113 MB |
| Requires iOS | 18.0 | **15.0** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod, Apple Watch** |
| 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 klíč

[App page](https://appshunter.io/ios/app/csob-smart-klic/id990273436)

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:** Apple Watch app

**In-app purchases:** none


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