Comparison

Poštová banka vs CSOB SmartToken

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

Head to head
About

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.

Highlights
  • Account overview
  • Loan and mortgage balance check
  • ATM and Postomat locator
  • Branch locator
  • Bill and invoice payments
  • Online chat support
Features
Read full description

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.

About

CSOB SmartToken

Securely log in and authorize transactions for digital banking services. Confirm payments, access electronic banking, and authorize online card payments. Works offline after activation, offering multiple secure activation methods.

Highlights
  • Secure login to digital banking
  • Confirm payments and operations
  • Authorize online card payments (3D Secure)
  • Offline functionality
  • Multiple secure activation methods
  • Biometric authentication support
Read full description

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

Poštová banka4 screens
CSOB SmartToken4 screens

Verdict

The call

The clearest difference is rating: CSOB SmartToken at 4.8 against Poštová banka's 1.8. CSOB SmartToken also leads on review sentiment (22% vs 4%) and ratings volume (124 vs 5). 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

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

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 124 ratings behind it against 5, so its average is the more settled of the two. Written reviews point the same way: 4% of Poštová banka's written reviews are positive against 22% of CSOB SmartToken's.

UpkeepUpdate frequency

Poštová banka ships an update every 3 months, CSOB SmartToken every 2 months. The most recent releases landed on November 2, 2026 and November 7, 2026 respectively.

Scorecard3 real differences · 7 level
Poštová banka versus CSOB SmartToken: the parameters behind the verdict, then further details
ParameterPoštová bankaCSOB SmartToken
PriceFreeFree
Rating1.8 (5 ratings)4.8 (124 ratings) — better
Positive reviews3.8% of reviews22.2% of reviews — better
Number of ratings5124 — better
Update frequencyEvery 3 monthsEvery 2 months — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPod
Requires iOS13.0 — better14.0
Further details — not scored
Size26 MB46 MB
Age rating4+9+
Developer365.bank, a. s.Československá obchodná banka

Customer experience

Poštová banka

All ratings5 ratings
Positive20.0%
Neutral0.0%
Negative80.0%
Written reviews53 reviews
Positive3.8%
Neutral11.3%
Negative84.9%

CSOB SmartToken

All ratings123 ratings
Positive95.1%
Neutral1.6%
Negative3.3%
Written reviews54 reviews
Positive22.2%
Neutral1.9%
Negative75.9%

In-app purchases

None

Poštová banka

No in-app purchases

None

CSOB SmartToken

No in-app purchases

Questions

Is Poštová banka free?
Poštová banka is free to download, with no in-app purchases.
Is CSOB SmartToken free?
CSOB SmartToken is free to download, with no in-app purchases.
Which has better reviews, Poštová banka or CSOB SmartToken?
CSOB SmartToken is rated higher. Poštová banka averages 1.8 out of 5 from 5 ratings, while CSOB SmartToken averages 4.8 from 124 ratings.
Do Poštová banka or CSOB SmartToken have ads?
Neither Poštová banka nor CSOB SmartToken shows ads.
Which is updated more often, Poštová banka or CSOB SmartToken?
Poštová banka ships an update every 3 months, and CSOB SmartToken every 2 months. Most recently, Poštová banka was updated on November 2, 2026 and CSOB SmartToken on November 7, 2026.

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