Comparison

CBO Mobile vs CBE Soft Token

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

CBO Mobile

Aggregate all your financial accounts into one view for smarter decision-making. Stay organized with transaction details, alerts, and secure access to your banking information.

Highlights
  • Multi-account aggregation
  • Transaction history and spending averages
  • Bill and low fund alerts
  • Add tags, notes, and images to transactions
  • ATM and branch locator
  • Bank-level security
Features
Read full description

The CBO Mobile App is a free mobile decision-support tool that gives you the ability to aggregate all of your financial accounts, including accounts from other financial institutions, into a single, up-to-the-minute view so you can stay organized and make smarter financial decisions. It is fast, secure and makes life easier by empowering you with the tools you need to manage your personal finances. FEATURES Multi-Account Aggregation: View all of your financial information (balances, transaction history, merchant spending averages) in one place for on-the-go organization. Alerts & Notifications: Set alerts for low funds and be notified about upcoming bills. Add Tags, Notes, Images & Geo-Information: By enhancing transactions with custom tags, notes or photos of a receipt or check, you have the ability to stay organized and find exactly what you’re looking for when searching through your finances. Contact: Locate ATMs or branches and contact Community Bank Owatonna customer service directly from the app. SAFE AND SECURE The app utilizes the same bank-level security that protects you when you’re on Internet Banking. The app also features a unique 4-digit passcode setting that prevents unauthorized access. GETTING STARTED To use the CBO Mobile App, you must be enrolled as an Community Bank Owatonna Internet Banking user. If you currently use our Internet Banking, simply download the app, launch it, and login with the same Internet Banking credentials. After you successfully login to the app, your accounts and transactions will begin updating.

About

CBE Soft Token

This app generates One-Time Passwords (OTPs) for secure login and transactions on internet banking. It serves as a multi-factor authentication tool for users of the Commercial Bank of Ethiopia.

Highlights
  • Generates One-Time Passwords (OTPs)
  • Multi-factor authentication
  • Secure login for internet banking
  • Facilitates transactions
  • Official app for Commercial Bank of Ethiopia
Features
Read full description

Commercial Bank of Ethiopia Soft Token The Official Soft Token app of CBE for IOS CBE IOS Soft Token app is Multi factor authentication app which gives you access to generate OTP on your IOS Device phone to login and and make transaction to cbe internet banking. Once you download the application, you can get Activation code from CBE self service portal . For further information, please e-mail to us :- CBEIntBankingMFA@cbe.com.et

Screenshots

CBO Mobile4 screens
CBE Soft Token4 screens

Verdict

The call

The clearest difference is review sentiment: CBO Mobile at 100% against CBE Soft Token's 50%. CBO Mobile also leads on rating (4.8 vs 3.7) and update cadence (monthly vs every 4 months). CBE Soft Token's advantage is monetization model (free vs ad-supported) and iOS requirement (13.0 vs 18.4). On price, ads, in-app purchases and device support 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

CBO Mobile holds the better App Store score, 4.8 against 3.7. That said, the two scores are not equally well evidenced: CBO Mobile has 139 ratings behind it against 9, so its average is the more settled of the two. Written reviews point the same way: 100% of CBO Mobile's written reviews are positive against 50% of CBE Soft Token's.

UpkeepUpdate frequency

CBO Mobile ships an update monthly, CBE Soft Token every 4 months. The most recent releases landed on October 4, 2026 and October 9, 2026 respectively.

Scorecard6 real differences · 4 level
CBO Mobile versus CBE Soft Token: the parameters behind the verdict, then further details
ParameterCBO MobileCBE Soft Token
PriceFreeFree
Rating4.8 (139 ratings) — better3.7 (9 ratings)
Positive reviews100.0% of reviews — better50.0% of reviews
Number of ratings139 — better9
Update frequencyMonthly — betterEvery 4 months
AdsNoNo
In-app purchasesNoNo
MonetizationAd-supportedFree — better
DevicesiPhone, iPadiPhone, iPad, iPod — better
Requires iOS18.413.0 — better
Further details — not scored
Size177 MB29 MB
Age rating4+4+
DeveloperCommunity Bank OwatonnaCommercial Bank of Ethiopia

Customer experience

CBO Mobile

All ratings139 ratings
Positive97.1%
Neutral0.7%
Negative2.2%
Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

CBE Soft Token

All ratings9 ratings
Positive66.7%
Neutral0.0%
Negative33.3%
Written reviews2 reviews
Positive50.0%
Neutral0.0%
Negative50.0%

In-app purchases

None

CBO Mobile

No in-app purchases

None

CBE Soft Token

No in-app purchases

Questions

Is CBO Mobile free?
CBO Mobile is free to download, with no in-app purchases.
Is CBE Soft Token free?
CBE Soft Token is free to download, with no in-app purchases.
Which has better reviews, CBO Mobile or CBE Soft Token?
CBO Mobile is rated higher. CBO Mobile averages 4.8 out of 5 from 139 ratings, while CBE Soft Token averages 3.7 from 9 ratings.
Do CBO Mobile or CBE Soft Token have ads?
Neither CBO Mobile nor CBE Soft Token shows ads.
Which is updated more often, CBO Mobile or CBE Soft Token?
CBO Mobile ships an update monthly, and CBE Soft Token every 4 months. Most recently, CBO Mobile was updated on October 4, 2026 and CBE Soft Token on October 9, 2026.

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