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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 5.42.35

Now you can see the detail of your investment portfolio and be able to buy/sell mutual funds.

Ratings and Reviews

4.4 out of 5
34.8K Ratings

34.8K Ratings

KaterKaterKater ,

Pretty good

The app is very easy to use!
- It would be better if the money transfer would be processed during the weekend immediately as a standard.
- It would be great to have an option to divide saving accounts into the buckets (e.g. general, vacation, new car, bathroom renovation etc.)

Developer Response ,

Hi, thank you for your feedback.
- Instant paymets will be available during second half of the year.
- Your suggestion for improving will be forwarded to our developers.

Ivet1490 ,

Nice design, good functions

I like the layout, i can orientate well. Also the combination of colours is clean and nice.
The app could load faster, but that is just a small issue.
I like the function for saving Usetreno , where it is almost live visible where i receive any cashback. And also is great that the money from cashbacks gets loaded multiple times per month to the current account and I can use it on my future spendings.

BaraBora17 ,

Please bring back some transactions categories

All of a sudden I didn’t find “exclude from budget: reimbursable and reimbursed” in the list of transactions - I shop a lot online and often return things, so that would be very helpful (to be able to assign to both incoming or outgoing transfers).Also, I used to be able to categorize “savings” for withdrawals/transfers - if I send money to my other account, now I cannot choose that. I don’t see the point in these changes.

Developer Response ,

Hello BaraBora.Thank you for your feedback. We are sorry to hear that you are not satisfied with the application. We will forward your suggestions to our colleagues.
We are constantly improving the categorization of payments.

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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