Smart Banking

your finances always at hand

New features in the application:

Full card number and CVV code display for payment cards
Change your debet card PIN
Add card to Google Pay/Apple Pay
View your payment card PIN
Overview and investment management

Smart Banking

Thanks to the Smart Banking application, which will also become your financial advisor, you will have a perfect overview of your income and spending.

Pay conveniently

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 or money order.

Have everything under control

In the application, you will find overviews of all of your accounts, payment cards, loans and mortgages. Thanks to transaction notifications, you will always have an overview.

Quickly and easily

You can change the limits of payment cards and view your PIN. In the event that you lose your card, you can block it immediately.

Be free of worries

All data leaving and coming to / from Smart Banking are encrypted and no one else can read them.

Virtual card

With a virtual payment card, you help save the environment while bringing you convenience and speed when paying. It's easily accessible in the Smart Banking app or directly on your mobile with Apple Pay or Google Pay.

Investing at hand

With the Smart Banking mobile app, you can control your investments anytime, anywhere. Easily view your portfolio, including history, or make trades with mutual funds.

Your account is always at your fingertips

Download the smart mobile application today.

Supported mobile phone iOS 13.0 and higher, Android 7.0 and higher with Google Play.

Video application guide

What you are most interested in

Smart Banking application tutorial

ACCOUNTS
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.
	CARDS
	In the Cards section, you have an immediate overview of your debit and credit cards. You can View your payment card PIN Click on the eye icon in the top right corner of the payment card to easily view the full card details - full number, CVV code and validity. You can easily copy the full card number directly in the app and simply paste it when you pay. You can view a summary of payments made with the respective card, which can be filtered at will. Changing the daily limits for cash withdrawals, cashless payments or online payments is a matter of course. You have the option of displaying the PIN for the payment card directly in the app. For debit cards, you also have the option to change your PIN to make it easier to remember. Can't find your card or think it's been stolen? You can simply temporarily block your card until you unblock it yourself. If you receive a new card, you can easily activate it in the Cards section. In the Cards section, you can also adjust your limits or pay off your credit card. To make a repayment, just check the details and confirm the payment. You'll also appreciate the simple and quick way to add your card to Apple/Google Pay directly in Smart Banking, without having to enter additional details and identify yourself.
PAYMENTS
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.
	OVERVIEWS
	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.
INVESTMENTS
In the Investments section, you can easily and conveniently view and manage all investment products. You can buy mutual funds, start a new regular investment or sell your investments. The app also allows you to view historical transactions and orders. You can manage new instructions in a few clicks - just select the investment instrument and enter the amount you want to invest. For detailed info on how to navigate the app and how to conveniently manage your investments, see Investing manuals.

Useful documents and guide

Frequently asked questions

Where can I find SMART KEY?

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

I did not receive a notification (push notification)?

In order to use all push notifications, you must have your phone connected to the internet and have notifications enabled, both in the Smart Banking / Smart Key app and in Settings on your mobile phone.

I don't have an internet connection on my phone and I haven't received a notification to log into internet banking, how can I log in now?

If you do not have an internet connection, you can use the alternative option of logging in using a QR code (offline), which does not require an internet connection. This option can be found by logging into Smart Key in the Smart Banking app.

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

Yes. In addition, Smart Banking will be there to help you if you need to quickly block your card due to loss, increase your limit for in-store purchases and also activate the U-šetřete discount program, which allows you to get benefits when paying with your card.

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

Yes, Smart Banking puts all your current accounts, foreign currency accounts, savings accounts, term deposits, cards, loans and other products at your fingertips.

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

Yes, Smart Banking is also available abroad if your mobile phone is connected to the internet via Wi-fi or data roaming. We don't charge any fees for using the app. You can check roaming charges with your operator.

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

If you've used the app in the past, you can simply activate it on your new device using your Username and the PIN you chose during the previous activation. In case you have forgotten your details, you can access the app by scanning your ID or we will be happy to help you on our Infoline +420 221 210 031.

What should I do if I change my registered Smart Banking phone number?

Smart Banking is independent of your mobile operator, so it will work with your new phone number (new SIM card). However, you will need to change your phone number to activate the app in the future, as we send an activation SMS to this number. You can change your phone number during Smart Banking activation. If you already have the app active, you can also change your phone number in the MORE - MY PROFILE tab.

Is Smart Banking safe to use?

Yes, Smart Banking uses state-of-the-art security in the form of a security key. This generates a unique time-limited security code at each point in time that protects both logging into the app and sending transactions to the bank. Smart Banking login and payment signatures are protected by PIN, fingerprint or Face ID.

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

Even in this unpleasant situation, your data and finances are safe - thanks to the security key in the app, no one can access your finances and account without your PIN. The app 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 shuts itself down after 3 minutes and logs out the logged-in user.

I forgot my PIN, how do I reactivate Smart Banking?

If you forget your PIN, you can set a new one by scanning your ID. We will be happy to help you activate Smart Banking on our Infoline +420 221 210 031 or at any of our branches.

What should I do if Smart Banking requires an update?

You probably have a version of the app installed that we no longer support. Simply update Smart Banking to the latest version by clicking the Update button and updating Smart Banking to the most current version in the secure Google Play/AppStore environment.

At the same time, we recommend that you turn on automatic updates for the Smart Banking app in your phone's Settings. This way your phone will update the app regularly and you don't have to worry about anything. This is the safest way to keep the Smart Banking app up-to-date with all the security enhancements and latest features.

Smart Banking

Smart Banking

Pay conveniently

Have everything under control

Quickly and easily

Be free of worries

Virtual card

Investing at hand

Your account is always at your fingertips

Download the smart mobile application today. Supported mobile phone iOS 13.0 and higher, Android 7.0 and higher with Google Play.

Download the smart mobile application today.

Video application guide

What you are most interested in

ACCOUNTS

CARDS

PAYMENTS

OVERVIEWS

INVESTMENTS

Where can I find SMART KEY?

I did not receive a notification (push notification)?

I don't have an internet connection on my phone and I haven't received a notification to log into internet banking, how can I log in now?

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

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

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

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

What should I do if I change my registered Smart Banking phone number?

Is Smart Banking safe to use?

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

What happens if I forget to turn off Smart Banking?

I forgot my PIN, how do I reactivate Smart Banking?

What should I do if Smart Banking requires an update?

Smart Banking UniCredit On Mobile

Download the smart mobile application today.

Supported mobile phone iOS 13.0 and higher, Android 7.0 and higher with Google Play.

Smart Banking
UniCredit On Mobile