# Poštová banka vs CSOB SmartToken

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.

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.

## The numbers

| Metric | Poštová banka | CSOB SmartToken |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [1.8 (5 ratings)](https://appshunter.io/ios/app/postova-banka/id1164475591/reviews) | **[4.8 (123 ratings)](https://appshunter.io/ios/app/csob-smarttoken/id1477450487/reviews)** |
| Number of ratings | 5 | **123** |
| Positive reviews | **3.8% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 2 months** |
| Monetization | Free | Free |
| Size | 36 MB | 46 MB |
| Requires iOS | **12.0** | 14.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 9+ |
| Developer | [365.bank, a. s.](https://appshunter.io/developer/568391956) | [Československá obchodná banka](https://appshunter.io/developer/456927882) |

## What reviewers say

### Poštová banka

[App page](https://appshunter.io/ios/app/postova-banka/id1164475591)

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:** macOS Compatibility, Apple Wallet

**In-app purchases:** none


### CSOB SmartToken

[App page](https://appshunter.io/ios/app/csob-smarttoken/id1477450487)

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.

**Highlights:** Electronic transaction signing, Digital banking login, Biometric activation, Cross-device activation transfer, Optional permission grants, Offline functionality after activation

**In-app purchases:** none


## Frequently asked 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 123 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 October 14, 2026 and CSOB SmartToken on October 14, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*