# ČSOB Smart

> Mobile banking and insurance management app for all ČSOB products. (iPhone/iPad app by Československá obchodní banka, a.s..)

- Source: https://appshunter.io/ios/app/csob-smart/id1528483245 (this page in markdown: same URL + `.md`)
- Developer: [Československá obchodní banka, a.s.](https://appshunter.io/developer/479852418)
- Category: Finance, Business
- Price: Free
- Rating: 4.80/5 from 738 App Store ratings · 122 written reviews indexed
- Age rating: 4+
- Requires: iOS 16.4 · 330 MB
- Languages: American English, Czech, Slovak
- Released: 2020-11-04
- Data updated: 2026-09-03
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/csob-smart/id1528483245/reviews.md

## What is ČSOB Smart?

With ČSOB Smart you have the whole bank and insurance company in your mobile.

You are not a client yet? It is not a problem, you can become one right in the app – opening a current account takes only few minutes. 

Why it is great to have ČSOB Smart:
 
1. Your money is safe, it is protected not only by your bank identity, but also by Face ID or Touch ID. 

2. You always know how much money you have, both in your current and savings account, and even on investments account. 

3. It makes payments easy, even invoice payment, thanks to the possibility to scan it from a QR code. 

4. You have a perfect control of accounts, mortgages, loans, insurance and other ČSOB products. 

5. You can change your card limit, display forgotten PIN code, or temporarily lock the card, and it all takes no time. 

6. It allows you to easily arrange a loan, savings, investments, travel insurance and other products. 

7. Here you may manage your insurance contracts, report an insurance event and monitor its handling progress. You can also find here your insurance documents, such as your Green Card.

8. You can customize it according to your needs, adjust the order of the products or set the dark mode of an app. 

And that's not all! You can explore more features after downloading it.

## Key features

- Open new accounts
- Track account balances
- Scan and pay invoices
- Manage loans and mortgages
- Control bank cards
- Arrange insurance and loans
- Manage insurance contracts

## What do users think of ČSOB Smart?

Overall sentiment: negative

**Pros**

- 👍 Consistent app design
- 🚀 Reliable and stable
- 💡 Useful features like Kate assistant

**Cons**

- 🐛 Frequent crashes and login issues
- ⏱️ Slow performance and long loading times
- 🤔 Confusing UI and navigation
- 🤯 Forced updates and compatibility issues

**Commonly reported bugs**

- Disappearing account balances and interest payments
- Payments not processed immediately
- Repeated login failures

**Most requested features**

- Add support for older iOS versions
- Improve transaction history and search
- Introduce more language options
- Provide iPad-optimized layout

## Recent user reviews (10 of 122)

All indexed reviews: https://appshunter.io/ios/app/csob-smart/id1528483245/reviews.md

### 1/5 — 11:04 aplikace nefunguje, servery nedostupné

*2026-07-14*

Proč??? A proč musím separátně schvalovat přístup k číslu každý a pinu? A proč nemůžu číslo karty zkopírovat jako v Revolotu

**Developer response:** Dobrý den, děkujeme za zpětnou vazbu. Rozumíme, že některé bezpečnostní kroky mohou působit zdlouhavě. Nastavení přihlašování si můžete upravit v aplikaci v Menu → ČSOB Smart → Správa zabezpečení. Co se týče kopírování čísla karty, jedná se o bezpečnostní opatření, které má pomoci chránit citlivé údaje před zneužitím. Děkujeme za Vaše podněty, pomáhají nám aplikaci dále zlepšovat. 💙

### 5/5 — Perfektní servis

*2026-06-15, version 16.8.5*

Mobilní aplikace je velmi jednoduchá a snadná metoda pro všechny platby.

### 1/5 — Prevody mezi ucty a obalkama

*2026-02-24*

Nelibi se mi jak je reseny prevod mezi obalkama a nebo mezi ucty, bohuzel clovek se obcas splete a nemuze krok vratit nebo zjistit odkud kam penize odesly. To same, kdyz si omylem poslete penize na kartu premiuk nemuzete vratit platbu bez poplatku 150Kc, prestoze mate prebytek. Oboji je u jine banky standard, takze odpovedi typu, ze to nejde jsou slabe, misto aby se na tom zapracovalo a sluzbu vylepsilo …

**Developer response:** Dobrý den, děkujeme za Vaši zpětnou vazbu. Chápeme, že situace, kdy se člověk splete při převodu mezi obálkami nebo účty a nemůže krok jednoduše vrátit, může být nepříjemná. Vaše zkušenost je pro nás důležitá a podobné podněty využíváme při úpravách a rozvoji služeb. Co se týče převodu z kreditní karty – pokud máte přeplatek a sám si převedete na účet pouze částku, která převyšuje úvěrový rámec, poplatek za elektronický převod Vám neúčtujeme. Hezký den

### 5/5 — Review

*2025-09-01, version 14.8.2*

I’m happy that your app doesn’t always change but stays the same in the shape I’m used to 👍

### 1/5 — Pomalé platby a zmizelé peníze

*2025-07-28*

Po skoro 60 dnech a několika urgencích mi stále nebylo vysvětleno z helpdesku, kam a jak zmizeli připsané úroky ze spořícího účtu, které byly odmazány z volných prostředků aniž by byly připsány kamkoliv jinam. 
Platby nejsou odeslány ihned jako u konkurence, provádím investice a musím držet obnos u jiné banky jen proto, že umí odesílat peníze ihned ..

**Developer response:** Dobrý den, Vaše hodnocení nás mrzí. Děkujeme za podněty ke zlepšení našich služeb. Převod mezi spořicím a běžným účtem probíhá jako standardní platba, proto může být doba přeposlání delší. Neustále se snažíme vylepšovat rychlost aplikace, intuitivnost a dále chceme přidávat nové funkce. Zároveň doufáme, že v budoucnu bude aplikace splňovat Vaše očekávání. Pěkný den.

### 1/5 — Takes too long to login compared to apps from other banks

*2025-04-25, version 13.0.6*

After the recent update, it takes a long time to log in, if at all.. or it crashes. Really great if I need to pay something and it doesn’t work. Today, I have tried like 30 times and still not working. Not even a single notification about any problem.

### 1/5 — Unstable app

*2025-04-22, version 13.0.6*

Man… I’m really close to switching to another bank. This app is the biggest pain that exists — it’s slow, constantly crashes, and above all, it always has some update. This app doesn’t need AI, it needs to give me access to my money and information about it anytime, not once every six days when there’s no update. Several times I needed to use the app and couldn’t (yes, the app gives a notification, but that’s completely useless).

### 5/5 — Bloated with loans promotion

*2025-03-21, version 12.12.5*

The app was convenient but now it is bloated with aggresive loan promotions that gets in your way and it is designed to redirect you to loan websites.

### 3/5 — Platby mezi ucty

*2025-02-10*

Platby nejsou okamzite, dokonce ani mezi sporicim a beznym uctem se platba neodesla hned a trva klidne i den. Nelze zadat platba QR kodem primo z obalky. Airbank mnohem rychlejsi a prehlednejsi na uzivani. Chtelo by to zlepsit ..

**Developer response:** Dobrý den, Vaše hodnocení nás mrzí. Děkujeme za podněty ke zlepšení našich služeb. Převod mezi spořicím a běžným účtem probíhá jako standardní platba, proto může být doba přeposlání delší. Neustále se snažíme vylepšovat rychlost aplikace, intuitivnost a dále chceme přidávat nové funkce. Zároveň doufáme, že v budoucnu bude aplikace splňovat Vaše očekávání. Pěkný den.

### 3/5 — Language

*2025-01-27, version 12.4.4*

Добавьте в приложение больше языков, людям проще будет🙂

## Frequently asked questions about ČSOB Smart

### What can I do with ČSOB Smart?

ČSOB Smart allows you to manage your entire banking and insurance portfolio. You can open new accounts, track balances across current, savings, and investment accounts, make payments by scanning QR codes, and manage products like mortgages, loans, and insurance contracts.

### How secure is ČSOB Smart?

Your money and accounts are protected by your bank identity, as well as biometric security features like Face ID or Touch ID. The app provides secure access to all your financial information and transactions.

### Can I manage my insurance through the app?

Yes, you can manage all your insurance contracts, report insurance events, and monitor their progress. The app also provides access to important insurance documents like your Green Card.

### Is ČSOB Smart free to use?

The app itself is free to download and use. While the description doesn't explicitly detail in-app purchases for services, it implies that various financial products and services can be arranged through the app, which may have associated costs.

### What if I'm not a ČSOB client yet?

If you are not yet a client, you can become one directly within the app. Opening a current account can be completed in just a few minutes, allowing you to start using the app's features immediately.

## Version history (last 5 releases)

### 17.8.3 — 2026-08-31

Further improvements and bug fixes

### 17.2.5 — 2026-07-29

Further improvements and bug fixes

### 17.2.4 — 2026-07-24

Recipients directory
Further improvements and bug fixes

### 16.13.3 — 2026-06-30

•   Other improvements and bug fixes

### 16.8.5 — 2026-06-03

Recognize payments even more easily thanks to logos.
Arrange Loan for housing in Smart.
Almost everything about your insurance is now in Smart.
Other improvements and bug fixes.

## Apps similar to ČSOB Smart

| App | Rating | Price | Category |
| --- | --- | --- | --- |
| [CSOB SmartBanking](https://appshunter.io/ios/app/csob-smartbanking/id456927879) | 4.8 (399) | Free | Finance |
| [Raiffeisen bankovnictví](https://appshunter.io/ios/app/raiffeisen-bankovnictvi/id538751727) | 4.7 (763) | Free | Finance |
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| [My Air CZ](https://appshunter.io/ios/app/my-air-cz/id593036778) | 4.8 (603) | Free | Finance |
| [MONETA Smart Banka](https://appshunter.io/ios/app/moneta-smart-banka/id1122443334) | 4.8 (488) | Free | Finance |
| [KB+](https://appshunter.io/ios/app/kb-plus/id1585485232) | 4.4 (166) | Free | Finance |

## More apps by Československá obchodní banka, a.s.

- [ČSOB Finanční trhy](https://appshunter.io/ios/app/csob-financni-trhy/id663766580)
- [Glow OTP](https://appshunter.io/ios/app/glow-otp/id900400191)
- [ČSOB Smart klíč](https://appshunter.io/ios/app/csob-smart-klic/id990273436)
- [ČSOB CEB Mobile](https://appshunter.io/ios/app/csob-ceb-mobile/id1301368490)
- [DoKapsy od ČSOB](https://appshunter.io/ios/app/dokapsy-od-csob/id1491768807)

All apps by Československá obchodní banka, a.s.: https://appshunter.io/developer/479852418

## Related topics

[csob](https://appshunter.io/ios/topics/csob) · [čsob smart](https://appshunter.io/ios/topics/čsob-smart) · [csob smartbanking](https://appshunter.io/ios/topics/csob-smartbanking) · [čsob smart klíč](https://appshunter.io/ios/topics/čsob-smart-klíč) · [dokapsy od čsob](https://appshunter.io/ios/topics/dokapsy-od-čsob)

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-03.*