UFO vs CSOB SmartToken
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
UFO
Manage all your financial information in one secure application. Track expenses, investments, and documents, and easily connect with your agent. Keep all your loyalty cards organized in one place.
- All finances in one place
- Expense and commitment tracking
- Investment overview
- Document and insurance management
- Agent contact
- Loyalty card storage
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UFO (Universal Financial Organizer) – Your digital assistant, free and ad-free. · All your finances in one place – a complete overview of your financial situation. · Track expenses and commitments with ease. · Clear overview of your investments. · Manage documents and insurance claims. · Easy and direct contact with your agent. · Security without compromise, with strong protection of your personal data. · All your loyalty cards in one place. Take control of your finances – download UFO.
CSOB SmartToken
This secure mobile application allows clients to electronically sign transactions and log into digital banking services. It offers multiple activation methods, including biometric verification and contact center support. Optional permissions enhance convenience, and while an internet connection is needed for activation, it can function offline.
- Electronic transaction signing
- Digital banking login
- Biometric activation
- Cross-device activation transfer
- Optional permission grants
- Offline functionality after activation
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ČSOB SmartToken is a secure mobile application for ČSOB clients, used for electronic signing and logging into ČSOB digital banking services. Before first use, the app must be activated. App will automatically suggest the most suitable activation method for you — such as facial biometric verification, transferring activation from another device, or verifying your identity through the ČSOB Contact Center. The app may request certain permissions. All permissions are optional, but granting them can make activation and overall usage more convenient. An internet connection is required for activation. After activation, ČSOB SmartToken can work offline, although the best experience is achieved online.
Screenshots
Verdict
The clearest difference is review sentiment: UFO at 67% against CSOB SmartToken's 0%. On price, update cadence, ads and in-app purchases there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
UFO ships an update every 5 weeks, CSOB SmartToken every 6 weeks. The most recent releases landed on September 11, 2026 and September 18, 2026 respectively.
| Parameter | UFO | CSOB SmartToken |
|---|---|---|
| Price | Free | Free |
| Rating | — | 4.8 (119 ratings) — better |
| Positive reviews | 66.7% of reviews — better | 0.0% of reviews |
| Number of ratings | — | 119 — better |
| Update frequency | Every 5 weeks — better | Every 6 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 14.0 | 14.0 |
| Further details — not scored | ||
| Size | 55 MB | 44 MB |
| Age rating | 4+ | 9+ |
| Developer | UNIVERSAL maklérsky dom a.s. | Ceskoslovenska obchodna banka, a.s. |
Customer experience
UFO
CSOB SmartToken
In-app purchases
UFO
No in-app purchases
CSOB SmartToken
No in-app purchases
