Smart Banking

your finances always at hand

New features in the application:

  • New home screen

  • View your payment card PIN

  • Add a payment card to Apple Pay directly in Smart Banking

  • Payment details can be sent as a PDF

  • Overview of income and spending in simple charts.

More information

We care about security and therefore we no longer support the operation of some older versions of the Smart Banking app. To continue using your mobile banking, please check which version of the Smart Banking app you are using and if necessary update it in the AppStore or Google Play as soon as possible. If you do not do so, you might not be able to log in to Smart Banking and you will be prompted to update it first.

You can easily update the app using the QR code below. It will only take you a minute and you can immediately continue to use Smart Banking as before.


QR kod



How do you know which version of the app you are using?

  1. In the Smart Banking app, please open the “Settings” and you will see the installed version of the app at the bottom of the screen. (E.g., APP VERSION: 5.25.11)
  2. If you have an iOS phone, your version number should be 5.19.79 and higher. For Android, the number is and higher.

If you use a lower version of the Smart Banking app, please update it in AppStore or Google Play.


What to do if you fail to update the app?

Some older versions of operating systems no longer allow you to install new versions of apps. The latest version of the Smart Banking app requires the operating system 14.3 and higher for iOS, and 5.0 and higher for Android.

  1. In the “Settings” of your phone, please check the installed version of the operating system.
  2. If you have an older version of the operating system, please update the phone's operating system first, and then the Smart Banking app.

If your phone does not allow you to install a newer version of the operating system, we recommend replacing your phone with a newer one.

To avoid having to worry about updating apps in the future, we recommend setting them to update automatically.

New version of the Smart Banking application

Owing to the new Smart Banking application, which will also become your financial advisor, you will have a perfect overview of your income and spending in concise charts.



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Pay conveniently

Smart Banking makes full use of your smartphone’s possibilities. You can easily sign off on payments of up to CZK 50,000 with your fingerprint or by means of Face ID. You can pay merely by scanning a QR code, barcode or money order.

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Have everything under control

In the application, you will find overviews of all of your accounts, payment cards and transaction history. Thanks to transaction notifications, you will always have an overview of what is happening on your account.

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Quickly and easily

We have simplified activation of mobile banking. You can now change the limits of payment and credit cards directly in the Smart Banking application. In the event that you lose your card, you can block it immediately.


Be free of worries

All of your logins and payment signatures are protected in the Smart Banking application by means of a PIN code, finger print or Face ID application.




Download the smart mobile application today.



Smart Banking application tutorial

Scan the QR code or download the application directly from Google Play / the App Store.

Your payment card data must be entered in order to activate your App Store account the first time. Don't worry, you won’t pay for our application; it is entirely free of charge!



If you use Internet Banking:

  • In your Internet Banking, go to: Account Details - Mobile Services – Smart Banking.
  • We will send you the activation codes via SMS (Warning: we will send you the activation codes the next working day).
  • Open the application on your mobile phone and activate it using your User Number (Internet Banking login number) and the codes you received in the SMS.


If you do not use Internet Banking, you may activate Smart Banking via our Customer Service Line. After verification of your password for communication with the bank which is provided in your contractual documentation, we will send you the activation codes or you can request them at any bank branch. You will then perform the activation in 4 easy steps.

Aktivace Smart Banking



In a few seconds you are in the picture of how much money you have available. You now have an overview of all your finances on the new home screen. You can easily view your current accounts, cards, savings accounts or loan products. In addition, you have an immediate overview of how much money you have in the bank in total.

If you have more than one account, simply expand them by clicking on the arrow to the right of the product.

Don't want anyone to see your current balances? Use the eye icon on the top right of the screen. Just click and all your balances will remain hidden. Click again to make them back visible.



In the Cards section, you have an immediate overview of your debit and credit cards. You can View your payment card PIN

You can see your available balance on each debit card. You can view an overview of the payments made with the relevant card, applying any filter.

Changing the daily limits for cash withdrawals, cashless payments or internet payments is a standard feature. 

Can't find your card or do you believe someone has stolen it? Simply block the card temporarily until you decided to unblock it. If you receive a new card, you can easily activate it in the Cards section.

In the Cards section, you can also edit your limits or make a payment on your credit card balance. All you need to do is check the details and confirm the payment.



In the Payments section, you can easily and conveniently make a domestic payment or transfer between your own accounts in various currencies.

You can save recurring payment templates to make them easier to enter next time or you can repeat a payment made from your account transaction history.

You can make payment by scanning a QR code. Payment details can be sent as a PDF document to your e-mail

The application also allows you complete control over your standing orders – create, edit or delete a standing order with immediate effect.

You can handle topping up your mobile phone with just a few clicks – all you need to do is enter a telephone number and amount.

Does your friend owe you for dinner? Generate a QR code in Smart Banking with the data required for the payment and send it to him, for instance, via SMS or WhatsApp.

Detailed information on how to pay in the application using various methods is available in the How to work with the application bookmark in the Application Wizard.



With the transaction overview, managing your finances has never been easier. In the bottom menu in the “Overviews” section, you can see an overview of your income and spending.

This will provide you with an instant overview of what’s up with your finances so you can plan and monitor your budget. 

Use the transaction overview to see what you spend on. If you find any category inconvenient, you can easily change it and reclassify the income or spending.



To make payment, click on the “New payment” icon or go to the “Payments” section in the bottom menu, where you can choose whether you want to make a domestic payment, transfer between your accounts, etc. Then just choose the account you want to make the payment from, fill in the required information and click "Continue". Check the information you’ve entered on the next screen and confirm the payment using your PIN, fingerprint or Face ID (for payments up to CZK 5,000).

Currently, it is necessary to enter amounts including hellers, i.e. to put two zeros at the end of whole amounts, for example CZK 150.00.

Are you going on vacation? Transfer money from your CZK account to your foreign currency account. In the “Payments” section, select “Transfer between your accounts”. In the upper part, select your CZK account as the sender and, for example, your EUR account as the recipient. Then just fill in the amount, check the data and complete the transfer by entering your PIN, fingerprint or Face ID.

You can create a template for recurring payments simply. After entering a payment, check the "Save as template" option on the DATA CHECK screen (just before confirming the respective payment), name it and save it. Next time, sending the payment will be easier.

Further, you can repeat any payment made from your account transaction history. You can access your payment history in the "Accounts" section. All you have to do is click on a specific payment and click on the “Repeat payment” icon.

We would like to inform you that you can now see an estimated equivalent amount in foreign currency and estimated fees in the Smart Banking / Business Smart Banking application before the currency conversion. This information is only displayed for new payments and may change at the time of booking. Therefore, for transactions already posted, you will not find this information in the transaction history.



You can make payment by scanning a QR code. Just click on the “QR payment” icon in the “Accounts” section.

The “QR payment option” means scanning a QR code. The application will open your camera to scan a QR code. After scanning it, the payment form will automatically be filled in and all you will need to do is check the details and confirm the payment. You can also choose a QR code from your phone's photo gallery.



Does your friend owe you for dinner? Send him a QR code with your account details and the amount due.

Click on the “Payments” section in the bottom menu, then click on “Request Payment”. Enter the amount due and, if necessary, other details (variable / constant / specific symbol) and confirm using the "Generate" button. You’ll see the generated QR code immediately.

Finally, click Share and choose whether you want to send the code to your friend via SMS, WhatsApp, Messenger or e-mail.



To view your standing orders, click on “Payments” in the bottom menu. In the “Other services” section, click on the “Standing orders” icon. By clicking on a specific standing order, you will see and be able to edit its details.

You can create a new standing order by clicking on the "Create a new standing order" button, fill in the required data and save the order.

You can edit or delete a standing order in the application – just drag to the left for a specific command and the options "Edit" and "Delete" will appear. All adjustments made in Smart Banking are immediately reflected in Online Banking.



Your transaction history is displayed in the "Accounts" section. Just scroll down the screen. If you need to filter out individual transactions, select the filter icon in the "Search" field on the right.

Move to the filter screen where you can choose from pre-set periods of a week / month / 3 months; you can search by specific date, amount or e.g. account number. You can also filter by category, such as income.

Payment details can be viewed by clicking on the line with the respective payment. You can also change your payment category here. The charts also show an overview of payments from that category for the current calendar period.



You can top up your phone in a few seconds using the Top up phone option (Payments => Additional Services => Top up).

Select the account from which you want to top up your phone, fill in the phone number, operator and the top-up amount. Then just click on the "Continue" button. Check the entered data and confirm the top-up with the "Pay" button.



Would you like to be notified about transactions on your account? Thanks to push notifications, a notification will be displayed on your phone's screen. Just select the MORE section (Settings => Notifications). Here you can choose to receive all notifications or only transaction notifications.



With the Widget feature, you can view your account balance without logging into the application (More => Settings => Widget). In the settings, you can choose up to 3 accounts to display. You can then add the widget to your phone's home screen.

How to set up notifications for card payments on the internet

The Smart Key application is part of your mobile banking. This application makes everything even safer by generating one-time codes (keys) to use for:

  • logging in and signing transactions via Online Banking.

Of course, code generation even works when you're offline, i.e. without access to the Internet. And it is entirely free of charge!

Where can I find SMART KEY?

Smart key is available on the initial login screen above the “LOGIN” button.

I already use Online Banking from UniCredit Bank. Can I use both services at the same time?

Yes, you can. Moreover, you can also use the templates for recurring payments in Smart Banking which you saved in Online Banking and vice versa. Smart Banking thus extends your possibilities of quickly and conveniently managing your accounts everywhere and at all times.

I have multiple accounts, can I manage them through one application?

Yes, you can. Smart Banking offers an overview of all your accounts, including loan accounts and term deposits.

Can I use the service abroad? Isn't it expensive?

Yes, you can. Smart Banking is also available abroad, as long as your mobile phone has access to the Internet and data roaming. For convenient access, you can also use the free public wi-fi zones which you can currently find in all major cities of the world or at airports, train stations, etc. You can save money on the fees charged by your operator.

What happens if I use Smart Banking and then get a new phone? Will I be able to continue using the service?

As long as you are using a device with access to the Internet, the application will be activated free of charge – just call our toll-free UniCredit Bank customer line at 800 14 00 14 or request activation using Online Banking.

You can also activate the application yourself using your password for communication with the bank. 

What should I do if I change my mobile phone number?

Smart Banking is independent of your mobile operator and will therefore also work with a new phone number (new SIM card). However, we recommend that you notify the bank of this change in the event of a future update to the application, which is carried out via an SMS sent to the mobile number specified during your initial activation.

Is Smart Banking safe to use?

Yes, it is. Smart Banking uses the latest security method, a built-in security key (token). It generates a unique, time-limited security code for every moment in time, protecting both login to the application and sending transactions to the bank.

What happens if someone steals my phone or I lose it?

Even in such an unpleasant situation, your data and finances are safe – thanks to the security key (token) built into the application, no one else has access to your finances and account without your PIN. The application can then be activated free of charge on your new device. Security is always fully guaranteed.

What happens if I forget to turn off Smart Banking?

For security reasons, the application automatically closes after 3 minutes.

I forgot my PIN or have a new mobile phone, how do I reactivate Smart Banking?

The easiest way to activate Smart Banking is to use your password for communication with the bank. When Smart Banking opens, click the Activate button and select "Activate with password". On the next screen, fill in your User Number and Password for communication with the bank. Next, fill in the four digits of your phone number. In the last step, choose a new PIN to log in and sign payments.

We will be pleased to assist you with the activation of Smart Banking on our Customer Service Line at 800 140 014 or at one of our branches.

What's new in our application

You now have an overview of all your finances on the new home screen. You can easily view your current accounts, cards, savings accounts or loan products.

You can also use the option of displaying the PIN for the payment card directly in the application. You don't have to remember the PIN or ask to send it, if you forget it, you can view the PIN at any time. You will also appreciate the easy and fast addition of a VISA card to Apple Pay directly in Smart Banking, without having to enter additional data and identify yourself. A useful novelty is the new function of sending a PDF document with payment details by e-mail. Until now, you only had this option in Online Banking.

We are concerned not only about your comfort but also about your safety

  • Login and payment signing in Smart Banking are protected by PIN, fingerprint or Face ID. We have increased the security of our application; therefore, after your first login, please reset your Face ID and Touch ID to log in / sign your payments.
  • The application is linked directly to your mobile phone but no sensitive information is stored locally.
  • The maximum amount you can send via mobile banking is CZK 500,000.
  • The application logs off after 3 minutes of inactivity.
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