# ČSOB Smart — user reviews > 122 indexed App Store user reviews of ČSOB Smart by Československá obchodní banka, a.s., rated 4.80/5 from 738 ratings. - Source: https://appshunter.io/ios/app/csob-smart/id1528483245/reviews - App overview in markdown: https://appshunter.io/ios/app/csob-smart/id1528483245.md - Rating breakdown: 5★ 670 · 4★ 31 · 3★ 8 · 2★ 4 · 1★ 25 ## 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 ## Newest reviews (11 of 122) ### 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🙂 ### 4/5 — jazyk *2024-11-19, version 12.0.6* Rád bych do aplikace přidal ukrajinský jazyk ### 3/5 — Dirty tricks ro get our data *2024-11-15, version 12.0.4* In the later versions of this app, they are using dirty tricks to get a user consent to use (and sell) our data. It is definitely not according to law, but who can sue a bank, right? ### 3/5 — Too much info *2024-10-09, version 11.12.4* I would prefer a more minimalistic and slick design with more English language options. The chameleon can go, and the account balances can have a larger display. ### 4/5 — . *2024-08-16, version 11.6.2* Неман українського інтерфейсу ### 2/5 — Too many notifications *2024-07-18, version 11.0.5* Every day I get a notification offering me something I never asked for. It is distracting and frustrating. Is this a banking app or marketing app? ### 2/5 — Too Long Maintenance Windows *2024-06-15, version 10.5.5* I am negatively amazed by the amount of time and the number of events of the downtime of the service in the recent years. I am a long-time customer, but these maintenance windows are getting really painful as I need to operate with the bank app on a daily basis. And when the service is not available for such a long time (up to 10+ hours), you can imagine that I consider leaving the bank for good. I am using other banks and their apps and I have never or rarely experienced so many downtimes. How I can manage my funds when on vacation? How can I transfer money when there is no chance to get into the app? In year 2024, we have a bank that just allows this. This frustrates me. ### 2/5 — Annoying stories *2023-10-18, version 8.0.6* Stories are so annoying and i can’t switch it off, it takes a lot of place on the screen, and i don’t need it at all. Maybe you could make it optional, or post news using another ways, not mail screen, where i want to see my info and my transactions. I don’t have a lot more important info on the home screen, but stories… ### 1/5 — Unbelievably disgusting service! *2023-10-09, version 8.0.6* Unbelievably disgusting service! Not only that the branch is staffed by boorish people, but they are also unable to solve a basic problem for 2 weeks. I have been to the bank 4 times already, the answer is the same " we don't know what is wrong, wait" on the hotline the same story! Service would be rated at 0 if there was such an opportunity. You want to waste time and nerves, then you to csob. ### 1/5 — Too crowdie visuals *2023-09-29* The new mobile app version looks super crowded on the screen, even though i have a phone with a big screen **Developer response:** Hello, we are sorry that you were not impressed with the new look of our app. However, I believe that by using it you will soon find your way to the app. Have a nice day, Katerina. ## Most critical reviews (10 lowest-rated) ### 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. 💙 ### 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 ### 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). ### 1/5 — Hrozna aplikacia *2024-10-19, version 11.12.4* Priserna aplikacia. Banku pouzivam len na platenie hypoteky, inak by som tam nevydrzal. Aplikacia je jediny kontakt s bankou v tejto dobe a toto je fakt priserna appka. Je nutne mat 2 aplikace. Moderne banky pouzivaju len 1 aplikáciu na potvrdenie platieb. Nahodne vypadky cez vikendy, ked si aktualizuju backend servery na produkcii. Slovenske banky toto robia v noci a nie cez den v sobotu, ked si vacsina ludi chcie pozriet zostatok uctu. Fakt jediny dovod prečo musim tuto aplikaciu je platenie hypoteky. A aj to mi robi nervy. ### 1/5 — Review *2024-08-21, version 11.6.2* Compare to other E-banking systems years behind. So many troubles in daily usage. I have Iphone 15Pro. In every day usage problems with creating standing orders, updating them. Everyday rejections of payments between my accounts. Bank is unable to whitelist my company accounts and I got everytime blocked. So far one of the worst experience. Worst is KB in my eyes. CSOB with Erste second. It seems like developers who wrote this app are very junior. ### 1/5 — Неможу зайти в додаток,постійно вибиває хибу *2024-06-15, version 10.5.5* Чому я не можу зайти в додаток,постійно вибиває хибу ### 1/5 — Hmm *2023-12-13, version 8.11.2* Nice app but 3 things. Would appreciate option to skip or remind me later about update. Not giving user option to skip update is bad practice as sometimes you need to urgently use the app instead app forces user to update app. You also might have slow connection and update will not go through at current location with slow mobile network. Not all users have enabled automatic updates by choice. Second point: Kate - please remove it. Or give option to remove or disable it. Takes space, is useless whenever I tried it. Lastly Kate throws many on screen notifications. Why :)? Why not give user option to disable it in the app and than free app space in UI? 3rd point: you added categories for transactions but im unable to see some totals for individual categories. any plan to show aggregate data for transaction categories? Maybe some chart of expenses showing individual categories? ### 1/5 — Worse with every UI update *2023-10-31, version 8.0.6* Not quite sure how they manage to keep doing so, but with every UI update they somehow manage to make user experience way worse. Note that it was already terrible to begin with, so this is quite an achievement. 90s graphics? Check. UI elements randomly sliding out in all directions? Check. Useless UI elements blocking half of screen and obscuring the useful ones? Check. Big button to bring up glorified FAQ (Kate) that you will use exactly once (just to realise how useless it is)? Check. Like seriously, isn't there single soul within your development team who knows at least basics of UI/UX design? And if there really isn't, please stop touching things you don't understand. Go to meeting instead. Schedule followups. Talk about KPIs. Anything but further reducing this apps usability. Edit: tried to setup recurring payment through this app. Failed twice (login failed when returning to app from smart key). Ultimately had to set it through internet banking instead. Ugly and useless are the words best describing this app. ## Most praised reviews (10 highest-rated) ### 5/5 — Perfektní servis *2026-06-15, version 16.8.5* Mobilní aplikace je velmi jednoduchá a snadná metoda pro všechny platby. ### 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 👍 ### 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. ### 5/5 — Вроді все норм !!!! *2025-01-14, version 12.4.4* Топчик ### 5/5 — ČASB *2024-11-12, version 12.0.4* 👍 ### 5/5 — +++ *2024-08-20, version 11.6.2* Čistá Fantázia ### 5/5 — Review *2024-05-01* One of best application I am using. **Developer response:** Hello, thank you for your very nice review. Feedback is important to us and we appreciate it very much. Have a nice day. ### 5/5 — Lehkost ovladani a spolehlivost *2024-02-23* Ze zacatku jsem mel obavy,jako mnoho dalsich, Ze budou komplikace a ze mi obsluha programu Nepujde…. Je to vsak lehci,nez drive a vyzaduje mene casu, Coz je senzacni… Jen kdyby byly vsechny zmeny k lepsimu U vseho s cim se clovek dnes musi setkavat… Dekuji… **Developer response:** Dobrý den, Jaroslave, děkujeme Vám za velmi hezké hodnocení. Zpětná vazba je pro nás důležitá a velice si toho vážíme. Hezký den. ### 5/5 — Better with every update *2023-11-14, version 8.6.6* New features are being added, things get simplified. Overall a great app. ### 5/5 — Review CSOB *2023-09-11, version 6.2.8* I have use this bank for 3 years. Really friendly UI. Easy to use. Support from bank a lot. Not complicated document. --- *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 2026-09-13.*