..The Smart has a TomTom-based Media system with Nav (shared with Renault!). Both the maps and real-time system updates are (separately) chargeable, with the former being an off-line update and the latter an offline purchase, but activated in the vehicle. Map update availability is somewhat irregular.
OTOH, the XC40 has a proprietary Volvo multimedia/nav system. Map updates are available free, "for life" on roughly a monthly update basis. Real-time traffic is also available free*.
Full Europe mapping is available, but is large, and is an offline update by USB device. You can, however, designate a "home" area (e.g. UK and Ireland (plus Iceland!)) and then this area can be downloaded and installed over-the-air automatically or manually*. During such download the navigation system remains available, the new mapping being rolled in at next engine off after download.
*The online services depend on a user SIM. Volvo provide a free Vodafone 1year starter, which most user switch to a cheaper alternative after it has expired.
Frankly, under most circumstances I find the inbuilt navigation systems entirely adequate, and rather more easy to manipulate quickly than those on a 'phone.
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Satnavs - apropos of nothing 
Satnavs - apropos of nothing 