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With Smart Banking you always have your bank at your fingertips. The application is user-friendly and most of all secure. It enables you to enter payments, create and edit standing orders, pay a credit card, or activate a debit card. Access to the application as well as payment signatures are protected by your PIN code or biometric data (Touch ID / Face ID).

Smart Banking also includes Smart Key, which you can use to authorize payments and other orders entered in Online Banking, both online and offline. In online mode using push notifications and in offline mode by scanning QR codes. You can also easily change your credentials. In case you forget your credentials, you can reset them using a photo of your ID and a selfie video. The application itself will guide you through the reset.

But the application can do many more things!

• Learn about what’s going on in your account after you turn on Push Notifications.
• Have you lost a credit or debit card? You can simply temporarily block and unblock the card for free in the app.
• You can adjust the daily limit for credit and debit card according to your needs.
• Add credit to your mobile phone with a few clicks.
• Check your account balance even without signing into the app with the Widget
• You can also make a payment by scanning a QR code (QR payment).
• In Online Banking you can use the Payment templates and stored Beneficiaries in the Smart Banking application.
• Account statements, statements for credit cards and other documents can be found in Documents.
• Get an instant overview of currency rates.
• Are you searching for an ATM or UniCredit Bank branch? You can quickly find them in the application.

How to activate the app?

We have prepared a simple and unified activation process for you. Simply download the application and activate the application by using your Username and PIN. If you do not have this data, but you are a Client of UniCredit Bank, you can obtain it directly in the application.

What’s New

Version 5.33.40

We have made a series of improvements in the new Smart Banking application for you.

Ratings and Reviews

4.4 out of 5
25.2K Ratings

25.2K Ratings

jo12427583 ,

Amazing changes

I love the new changes to the App so much! The App is very easy to navigate, never crashes, important info is right at the surface and they made it so so easy to follow and categorise your spending habits!

Developer Response ,

Thank you for your feedback. We are very pleased that you like our new app.

Rusty134 ,

Signing a payment

With the latest changes to the process of payment signature from web it is not easy to understand necessary steps. First of all app should notify user that user needs to activate push notifications to enable signing. Secondly there is a bug in official steps to this new process. After enabling push notifications user needs to sign out and sign in again to web application to see those new buttons. Thirdly the push notification was delayed for minutes and I almost gave up and wanted to call tech support.

Pat does UX ,

Constant annoyances

It’s a mess of an application / service. A bank that’s drowning in money doesn’t have a proper digital identity in 2021.

Setting profile doesn’t work. Frequently it’s not possible to pay online due to some error. It’s still necessary to go for minor stuff to one of their branches. I want to be able to manage everything concerning my account the app, I can’t do that. What a mess.

Developer Response ,

Hello, please fill out our customer help form and we will call you as soon as possible with a solution. Please leave your contact information here: https://www.unicreditbank.cz/cs/appstore. Or you can contact our customer service at number +420 221 210 031, our colleagues will help you out.

App Privacy

The developer, UniCredit Bank Czech Republic and Slovakia, a.s., indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Purchases
  • Financial Info
  • Contact Info
  • Identifiers

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Location
  • Usage Data
  • Diagnostics

Privacy practices may vary based on, for example, the features you use or your age. Learn More


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