ČSOB Smart klíč vs KB+
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- 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
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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
KB+
Manage your finances with a user-friendly app that consolidates banking services. Open accounts, order cards, make payments, and save for the future, all in one place. Customize your account and enjoy multicurrency features for seamless global transactions.
- Multicurrency account
- Customizable account number and name
- Savings accounts and envelopes
- Card ordering and management
- Drag and drop payments
- Biometric login (Touch ID/Face ID)
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SIMPLE TO USE Track all your services in one user-friendly app. You can easily order and manage individual services. PLANS Choose a plan that fits your lifestyle. A plan is a set of products and services for everyday banking, which includes an account, a card, payments, and ATM withdrawals. MULTICURRENCY ACCOUNT Use multiple currencies in one account. You can exchange money within your account in a few seconds and simply pay in the local currency abroad, wherever you go. CHOOSE YOUR OWN ACCOUNT NUMBER AND NAME IT Set your own account number, for example, your birthday or wedding anniversary. You can name the account whatever you like. SAVINGS ACCOUNT AND ENVELOPES Open a savings account online and have up to 10 savings envelopes. Organize your money into envelopes for whatever you need. CARD ORDERING AND MANAGEMENT In KB+ you can order, unlock, and lock a card or view the PIN. Choose one of the designs offered and add your card to Apple Pay. KB KLÍČ IS NOW PART OF KB+ You no longer need 2 apps to verify payments and logins. Now you can do everything in the KB+ app. DRAG AND DROP PAYMENTS Move money quickly and easily between your accounts and savings envelopes with a simple drag and drop. TOUCH ID AND FACE ID Make app login and payment verification easier with Touch ID or Face ID. Just use your finger or scan your face. 3D TOUCH Long press the KB+ app icon on your mobile to choose from the most used features. SPOTLIGHT Explore the ability to search KB+ app features through Spotlight. BUILDING SAVINGS Get state support of up to 2,000 CZK per year and enrich your savings with a guaranteed interest rate for 6 years. EXTRA SERVICE CESTOVÁNÍ Insure yourself against unexpected events on the road. With the extra service Cestování, you won't be caught off guard by a traffic accident, lost luggage, or a trip cancellation. The service is valid all year round. SUPPLEMENTARY PENSION SAVINGS Save and invest for retirement. In KB+, you can now arrange a pension not only for yourself, but for your child too. In addition, your child can collect a third of their own contributions from the age of 18. CHILDREN'S SAVINGS ACCOUNT Save for your child with a great interest rate. You can open an account via the application. Additionally, your child can manage their own account from the age of 6, and from 15, they can open an account on their own. PLAN FOR ENTREPRENEURS Open and manage your business account in the app. Share access to it with managers or your accountant. With higher-level plans, you also get a multicurrency account for free.
Screenshots
Verdict
ČSOB Smart klíč and KB+ both sit at 4.3 stars, but that hides the real split: 33% of ČSOB Smart klíč's written reviews are positive against 22% of KB+'s. ČSOB Smart klíč also leads on device support (4 vs 2) and iOS requirement (15.0 vs 17.0). KB+'s advantage is ratings volume (177 vs 32). On price, rating, 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
On the App Store both sit at effectively the same score — 4.3 for ČSOB Smart klíč against 4.4 for KB+. That said, the two scores are not equally well evidenced: KB+ has 177 ratings behind it against 32, so its average is the more settled of the two. Written reviews are what separate them: 33% of ČSOB Smart klíč's written reviews are positive against 22% of KB+'s.
ČSOB Smart klíč ships an update every 6 weeks, KB+ every 3 weeks. The most recent releases landed on August 19, 2026 and September 20, 2026 respectively.
| Parameter | ČSOB Smart klíč | KB+ |
|---|---|---|
| Price | Free | Free |
| Rating | 4.3 (32 ratings) | 4.4 (177 ratings) — better |
| Positive reviews | 33.3% of reviews — better | 22.2% of reviews |
| Number of ratings | 32 | 177 — better |
| Update frequency | Every 6 weeks | Every 3 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod, Apple Watch — better | iPhone, iPad |
| Requires iOS | 15.0 — better | 17.0 |
| Further details — not scored | ||
| Size | 113 MB | 578 MB |
| Age rating | 4+ | 4+ |
| Developer | Československá obchodní banka, a.s. | Komercni banka a.s. |
Customer experience
ČSOB Smart klíč
KB+
In-app purchases
ČSOB Smart klíč
No in-app purchases
KB+
No in-app purchases
Questions
Is ČSOB Smart klíč free?
Is KB+ free?
Which has better reviews, ČSOB Smart klíč or KB+?
Do ČSOB Smart klíč or KB+ have ads?
Which is updated more often, ČSOB Smart klíč or KB+?
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