77
Quality Score
Strong
Smart Banka
✍️ bumetric analysis
“
Smart Banka is an Android app from MONETA Money Bank in the Finance category, currently rated 4.6★ across 154,803 ratings. Initial signal reads as mostly critical sentiment so far: users flag rough edges and unmet expectations.
Quality Score is 77: Strong (healthy traction). For a Finance app, that means healthy traction. The full BU Investment Matrix below scores 8 dimensions including monetisation, growth, and operational risk.
Track changes month-over-month in the Performance section below: live snapshot history and revenue forecast included.
💰 Revenue · today and ahead
Today
$5.0K/mo
In 12 months
$5.2K – $10.8K
In 24 months
$6.4K – $19.2K
MID tier
💡 Grow this revenue
Free AI audit of this app’s store listing
- Title & subtitle keyword fit
- Description hook & conversion structure
- Screenshots, ratings, reviews strategy
Typical impact: +2-5× organic installs
📊 Performance Tracking LIVE
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Rating
—
Reviews
—
Forecast Revenue / mo
—
Snapshots tracked
0
since first record
ONE-TIME · BUILD💰 Estimated build cost
$185K
↳ What it cost to build · not monthly revenue
Likely range $140K – $250K
$25K · MVP floor$100K · indie scale$500K+ · studio build
📈Slow ROI — current MRR is well below build cost
Synthetic estimate. Inputs: category complexity, file size, screen count, monetization layer, platform reach, age × team-size proxy. Calibrated against 2024-2026 indie-agency rate surveys. Full math + source list on /methodology.
Where the money goes
| 🧱MVP baseline (design + 1-store ship) | +$28K |
| 📱5 unique screens × $4.5K | +$22K |
| ⚙Finance complexity ×1.60 | +$30K |
| 🌐Cross-platform reach (iOS + Android) | +$44K |
| ⚙9.8y maintenance × ~1-person team | +$59K |
Total estimate$185K
ONE-TIME · EXIT VALUE💵 Estimated acquisition value
$35K
↳ What it would sell for · not monthly revenue
Marketplace range $25K – $45K · 24× MRR multiple
💸~0.2× build cost (under-water)
Synthetic estimate. Multiple band derived from ad-supported + age, rating quality, category demand, and user-base maturity. Calibrated against 2024-2026 indie-app-marketplace closed-deal medians. Full math + comparable deal list on /methodology.
How the multiple was built
| 📺Ad-supported base | 15× MRR |
| 📅9.8y proven track record | +20% |
| ⭐★ rating ≥ 4.4 (solid) | +8% |
| 🏷Finance category multiple | +15% |
| ⭐Mature user base (100K+ ratings) | +5% |
Final multiple24× MRR
👥 Estimated audience size
6.5M
Lifetime downloads (US-equivalent)
Monthly active
960K
Daily active
380K
Synthetic estimate from ratings × category benchmarks. Calibrated against 2024-2026 mobile-attribution retention + DAU/MAU reports. Numbers are US-storefront-equivalent — true global audience can be 5-10× larger for international apps. Full math + source list on /methodology.
How we sized it
| 📲Finance engagement | ~60 installs / rating |
| 📅9.8y of rating accumulation | -30% |
| 🔁Finance D30 retention | 28% |
| 📍DAU / MAU stickiness | 0.40 |
DAU / MAU40% sticky
🛠 Estimated tech stack
🤖
Native Android (Kotlin)
High confidence · 80%
Also possible
Flutter
Heuristic guess from app bundle size, category, store description signals, and release-date stack era. Bumetric does not disassemble binaries — for binary-level certainty you would need an SDK intelligence tool or the manifest itself. Reasoning chain on the right. Full ruleset on /methodology.
Signals we read
| 🏷Category context | Finance |
| 📦Compact Android bundle | → Native Kotlin |
💀 Maintenance status
Active
5%
Last shipped 2026-05-11 · 12 days ago
0 · Active50 · At risk100 · Abandoned
Heuristic risk score from time-since-last-update + ratings velocity proxy + Editor's Choice / curated featuring signals. Calibrated against 2024-2025 app-store ranking decay reports. Not a guarantee — a quiet app with a healthy codebase looks the same as an abandoned one until something breaks. Full math on /methodology.
Risk signals
| 📅12 days since last update | Active development |
VerdictActive
🔬
How we forecast this revenue
MEDIUM CONFIDENCEBaseline
$5.0K/mo · ML-estimated from 234 triggers
Growth rate
+4.0% MoM · MID tier baseline (compound monthly)
6 months
$4.7K – $7.9K
12 months
$5.2K – $10.8K
24 months
$6.4K – $19.2K
Compound growth at +4.0% MoM (tier baseline for MID). Range widens with horizon — typical noise band ±25% at 6mo.. Ranges widen with horizon — distant futures carry more uncertainty.
📊
BU Investment Matrix
Below median · 49/100MID TIERunderperforming peersGrowth Velocity
5.0
Founder Strength
4.2
Product Quality
9.3
Revenue Strength
3.7
Monetization Maturity
1.0
Defensibility
6.0
Market Position
0.0
Operational Safety
10.0
- 💰 Revenue: Modest — $3K - $7K/mo · MID tier · medium confidence, trajectory unclear.
- ⭐ Quality: 4.63★ across 154,803 reviews — exceptional (top 1% in category).
- 📍 Market: Not yet charting in any of the 9 monitored markets.
- 📈 Growth: dev shipping weekly.
- ⚠️ Risk: Low — no material risk signals detected.
🎯 For competitors: Mixed picture. Worth competing if you have a clear UX or pricing edge — otherwise crowded segment.
💵 For acquirers: Estimated asking range 18-32× monthly = $90K-$160K.
Composite of 8 dimensions computed deterministically from public signals — no LLM, every score traces back to a measurable input. Default weights shown; "compete" / "acquire" / "invest" lenses re-weight without re-fetching.
Range:
💰 Forecast Revenue / mo
MODELRevenue forecast computed from BU's 234 trigger model on each snapshot. Calibrated against ground-truth from 58 verified-revenue apps.
🔬Forecast Breakdown — Why This Estimate?Top 4 of 4 triggers
Our ML model uses 200+ signals from public data. These are the most influential for this app:
| High install base (154,803 ratings)METRIC | +$12,000 | |
| Excellent rating (4.6★)METRIC | +$2,200 | |
| Mature app (9y old)METRIC | +$1,500 | |
| Ad-supported / freemiumMETRIC | +$600 |
METRIC = structural app data · REVIEW = mined from user reviews · ✓ VERIFIED = Stripe-verified anchor (TrustMRR)
📈 Reviews Growth
LIVECumulative review count from first BU snapshot. Each point = a tracked update.
⭐ Rating Trend
LIVEAverage rating evolution. Updates with each new review batch.
App Specs
🔐 Own this app? Claim & verify MRR →🔖 v91.1.1🔄 updated 1w ago📂 Finance💰 Free🚀 Launched 2016 (9y old)
📝 About this app
<b>Smart Banka</b> is a free mobile banking app offering fast and simple bank account administration from your phone. It provides clear overview of all your products, account balance, payments, credit top up and branch map. Sign up with PIN or fingerprint, use PIN for payment approval so there is no need to confirm with sms key. Download and use of Smart Banka is free of charge.
<b>How to start?</b>
Just install the app, follow the guidelines on screen, register your device in the Internet Bank and start using it immediately.
<b>Is it safe?</b>… View full description on the official store →
<b>How to start?</b>
Just install the app, follow the guidelines on screen, register your device in the Internet Bank and start using it immediately.
<b>Is it safe?</b>… View full description on the official store →
🧪
Tech & Domain Intel — moneta.cz
- Mail provider
- Microsoft 365
- Tech stack
- Microsoft 365 · Apple Pay / Sign in with Apple · Google Workspace · Atlassian (Jira/Confluence) · AWS SES
Derived from public RDAP + DNS TXT records (no scraping, no login).
🔔
Track this app’s revenue
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Profile & Insights
Everything we know — and don't — about this app and its company.
Identification
- App name
- Smart Banka
- Developer
- MONETA Money Bank
- Bundle ID
- cz.moneta.smartbanka
- App Store URL
- Open in App Store
- Category
- Finance
- Content rating
- Not found
- Languages
- Not found
Company
- Website
- www.moneta.cz
- Tagline
- Not found
- Description
- Not found
- Founded
- Not found
- HQ / Address
- Not found
- Employees
- Not found
- Logo
- Not found
Revenue
- Verified revenue / mo
- Not found
- AI revenue estimate / mo
- Not found
- AI annual estimate
- Not found
- ML model estimate / mo
- $1.5K/mo
- Top-grossing rank
- Not found
- All-time revenue
- Not found
- Pricing
- Not found
Founder
Founder data not yet collected for this app.
Funding
Funding data not yet collected for this app.
Press & Links
Press & Links data not yet collected for this app.
Contacts & Socials
Contacts & Socials data not yet collected for this app.
📈Ratings growth154,803 ratings+22% lifetimeShow 3-year history estimate ▾
Tracked (1 weeks) Pre-tracking estimate (35 weeks) · model-based, ±5% noise · anchored to release date and current value
Profile is built from iTunes Lookup + developer site scrape + ML revenue model. Empty fields show "Not found" — additional sources (Crunchbase, X, IndieHackers, Acquire.com) coming.
More by MONETA Money Bank
View all →📦 Portfolio summaryINDIE studio
2apps·$1K/mocombined
⚠ Concentrated — top app contributes 93% of combined revenue (single-app dependency)
Full revenue analysis
Read the article-style breakdown for Smart Banka: category rank, percentile, growth signal, comparable apps, and how the forecast is calibrated against verified-MRR anchors in this niche.
❓ Frequently Asked Questions
10 answers · auto-generated from this app's public dataHow much does Smart Banka make per month?▾
Based on our ML-calibrated revenue forecast, Smart Banka earns approximately $1K/mo. This is a US-storefront-equivalent estimate; global revenue can be several times larger for internationally-distributed apps. See the methodology page for the full formula and confidence bands.
Is Smart Banka profitable?▾
With estimated build cost $185K and monthly revenue $1K, Smart Banka looks well below break-even — current monthly revenue is much smaller than the estimated build cost. Profitability also depends on paid-acquisition spend and refund rate which the public model doesn't see.
How many users does Smart Banka have?▾
Estimated audience: ~6.5M lifetime downloads, ~960K monthly active users, and ~380K daily active users. Derived from ratings count × category installs-per-rating × age decay. US-storefront-equivalent — global audience can be 5-10× larger for internationally-distributed apps.
What apps are like Smart Banka?▾
Browse the full Finance category catalog to find similar apps with revenue, build cost, audience and tech stack data. Each /p/{slug} page also shows a Compare side-by-side widget with three peer apps from the same niche.
What is Smart Banka built with?▾
Our heuristic places Smart Banka on the Native Android (Kotlin) stack (High confidence, 80%). Signals: app bundle size, category context, store-description markers, release-date era. We don't disassemble binaries. Alternative possibilities: Flutter.
Is Smart Banka still actively maintained?▾
Maintenance status: Active (5% abandonment risk). Last shipped version was 12 days ago. The risk score combines time-since-last-update with Editor's Choice / curated featuring + user-base maturity adjustments.
How much would Smart Banka sell for?▾
Estimated acquisition value: $35K (marketplace range $25K – $45K). Calculated as 24× monthly revenue using the standard multiple for the detected monetization model + adjustments for age, rating quality and category demand. Calibrated against 2024-2026 Flippa / Acquire.com / MicroAcquire closed-deal medians.
When was Smart Banka last updated?▾
Smart Banka last shipped a new version on 2026-05-11 — less than a month ago. This is the date Apple / Google last accepted a new build, not a content-only push.
Who makes Smart Banka?▾
Smart Banka is published by MONETA Money Bank on the Google Play Store. See the full publisher portfolio (other apps by the same developer) via the More by developer block on the product page above.
What is Smart Banka's BU Score?▾
Smart Banka has a BU Score of 77/100 (Strong). The score combines App Store rating, ratings count, monetization model and revenue signals calibrated against founder-verified MRR anchors. See the BU Score formula.