Poštová banka vs CSOB SmartToken
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Poštová banka
Manage your finances easily with this mobile banking app. Get an overview of your accounts, check loan balances, find ATMs, and locate branches. Pay bills quickly and chat with support directly within the app.
- Account overview
- Loan and mortgage balance check
- ATM and Postomat locator
- Branch locator
- Bill and invoice payments
- Online chat support
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Uľahčite si život a správu svojich financií s Mobilnou aplikáciou Poštovej banky. Získate aktuálny prehľad o svojich financiách na bežnom či sporiacom účte. Skontrolujete si zostatok svojho úveru či hypotéky na pár klikov. Potrebujete si vybrať peniaze? Radi vás nasmerujeme k najbližšiemu bankomatu alebo Poštomatu. A ak sa nás chcete niečo spýtať osobne, pomôžeme vám vyhľadať najbližšie obchodné miesto, v ktorom nás nájdete. Prečo si stiahnuť našu aplikáciu? • Získate prehľad o svojich účtoch a ostatných produktoch. • Nemusíte už čakať na výpis z účtu. Históriu zostatkov máte k dispozícii kedykoľvek. • Zaplatíte účty a faktúry rýchlo a jednoducho bez zdĺhavého prepisovania IBAN čísel. • Ak potrebujete poradiť alebo sa na niečo spýtať, máte možnosť nás kontaktovať cez online chat priamo v aplikácii. Koľko budete za aplikáciu platiť? Aplikácia Poštovej banky je zadarmo a neobsahuje žiadne platené služby. Poplatky za operácie vykonané cez aplikáciu sú takisto zadarmo. Ako si ju aktivujete? Ste klientom Poštovej banky? Na aktiváciu aplikácie vám stačí zadať vaše prihlasovacie meno a heslo, ktorým sa prihlasujete do nášho Internet bankingu. Po aktivácii si zvolíte svoj 4-miestny PIN kód, s ktorým sa budete jednoducho prihlasovať a potvrdzovať platby až do výšky 3 000 €. Ak ešte nie ste klientom Poštovej banky alebo nemáte zriadenú službu Internet banking, nájdete nás na poštách, kde vám ochotne pomôžeme. V prípade otázok, nápadov alebo akýchkoľvek problémov nás môžete kontaktovať priamo z hlavného menu aplikácie prostredníctvom online chatu, telefonicky na našej Infolinke 0850 00 6500 alebo e-mailom na adrese: info@pabk.sk.
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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At CSOB, we believe that managing your finances should be convenient, modern, and secure at the same time. That is why we bring you the ČSOB SmartToken mobile application, designed for secure login and authorization of operations in the bank’s digital services. With the application, you can easily and securely: • confirm payments and other active operations • log in to electronic banking • authorize online card payments (3D Secure) • activate the ČSOB SmartBanking application After activation, the application also works offline, without an internet connection – depending on the type of operation, you can confirm it directly in the app or by scanning a QR code and entering an authorization code. After installation, the app will guide you through the activation in just a few steps. You can choose from several modern and secure activation methods: • activation using an identity document • identity verification using facial biometrics • transfer of activation from an old device to a new one via QR code • activation via the ČSOB info line For new clients, the process is even simpler – thanks to new technology, the application can process the provided data and complete the activation conveniently, without duplicate identity verification. For security reasons, this application is not supported on unofficially modified operating systems and devices. Biometric authentication is supported only on selected devices and for selected types of transactions. ©2020 CSOB Slovakia
Screenshots
Verdict
The clearest difference is rating: CSOB SmartToken at 4.8 against Poštová banka's 1.8. CSOB SmartToken also leads on ratings volume (123 vs 5). Poštová banka's advantage is iOS requirement (12.0 vs 14.0). On price, review sentiment, update cadence and ads 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.
CSOB SmartToken holds the better App Store score, 4.8 against 1.8. That said, the two scores are not equally well evidenced: CSOB SmartToken has 123 ratings behind it against 5, so its average is the more settled of the two. Written reviews complicate that: 4% of Poštová banka's written reviews are positive against 0% of CSOB SmartToken's, so the app with the better star average is not the one people write more warmly about.
Poštová banka ships an update every 3 months, CSOB SmartToken every 2 months. Both last shipped on October 14, 2026.
| Parameter | Poštová banka | CSOB SmartToken |
|---|---|---|
| Price | Free | Free |
| Rating | 1.8 (5 ratings) | 4.8 (123 ratings) — better |
| Positive reviews | 3.8% of reviews — better | 0.0% of reviews |
| Number of ratings | 5 | 123 — better |
| Update frequency | Every 3 months | Every 2 months — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 12.0 — better | 14.0 |
| Further details — not scored | ||
| Size | 36 MB | 46 MB |
| Age rating | 4+ | 9+ |
| Developer | 365.bank, a. s. | Československá obchodná banka |
Customer experience
Poštová banka
CSOB SmartToken
In-app purchases
Poštová banka
No in-app purchases
CSOB SmartToken
No in-app purchases
Questions
Is Poštová banka free?
Is CSOB SmartToken free?
Which has better reviews, Poštová banka or CSOB SmartToken?
Do Poštová banka or CSOB SmartToken have ads?
Which is updated more often, Poštová banka or CSOB SmartToken?
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