# 24pay vs Raiffeisen SmartToken

The clearest difference is rating: Raiffeisen SmartToken at 4.6 against 24pay's 3.4. Raiffeisen SmartToken also leads on ratings volume (298 vs 27) and iOS requirement (16.0 vs 18.0). 24pay's advantage is update cadence (every 10 days vs every 6 weeks) and review sentiment (22% vs 10%). On price, ads, in-app purchases and monetization model there is nothing between them.

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

Raiffeisen SmartToken holds the better App Store score, 4.6 against 3.4. That said, the two scores are not equally well evidenced: Raiffeisen SmartToken has 298 ratings behind it against 27, so its average is the more settled of the two. Written reviews complicate that: 22% of 24pay's written reviews are positive against 10% of Raiffeisen SmartToken's, so the app with the better star average is not the one people write more warmly about.

24pay ships an update every 10 days, Raiffeisen SmartToken every 6 weeks. The most recent releases landed on September 10, 2026 and September 18, 2026 respectively.

## The numbers

| Metric | 24pay | Raiffeisen SmartToken |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.4 (27 ratings)](https://appshunter.io/ios/app/24pay/id1282006921/reviews) | **[4.6 (298 ratings)](https://appshunter.io/ios/app/raiffeisen-smarttoken/id1317774366/reviews)** |
| Number of ratings | 27 | **298** |
| Positive reviews | **21.7% of reviews** | 9.6% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 10 days** | Every 6 weeks |
| Monetization | Free | Free |
| Size | 124 MB | 43 MB |
| Requires iOS | 18.0 | **16.0** |
| Devices | iPhone | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [PTPOnline SRL](https://appshunter.io/developer/1282006920) | [Raiffeisen Bank Romania S.A.](https://appshunter.io/developer/470512473) |

## What reviewers say

### 24pay

[App page](https://appshunter.io/ios/app/24pay/id1282006921)

This app provides a secure and fast way to make various payments directly from your phone. It functions as an e-wallet for everyday transactions, including public transport, utility bills, mobile top-ups, parking, and insurance policies.

**Highlights:** Direct, secure, and fast payments, Public transport ticket payment, Utility bill payments, Mobile top-up services, Parking fee payment, RCA insurance policy comparison and purchase

**In-app purchases:** none


### Raiffeisen SmartToken

[App page](https://appshunter.io/ios/app/raiffeisen-smarttoken/id1317774366)

This app provides secure and convenient transaction authentication and ordering directly from your mobile phone. It functions as an eToken, enabling 100% online processes without requiring a physical device. Integration with existing mobile banking apps simplifies activation.

**Highlights:** Secure transaction authentication, Order transactions remotely, eToken functionality, 100% online process, No physical token needed, Integrates with mobile banking

**In-app purchases:** none


## Frequently asked questions

### Is 24pay free?

24pay is free to download, with no in-app purchases.

### Is Raiffeisen SmartToken free?

Raiffeisen SmartToken is free to download, with no in-app purchases.

### Which has better reviews, 24pay or Raiffeisen SmartToken?

Raiffeisen SmartToken is rated higher. 24pay averages 3.4 out of 5 from 27 ratings, while Raiffeisen SmartToken averages 4.6 from 298 ratings.

### Do 24pay or Raiffeisen SmartToken have ads?

Neither 24pay nor Raiffeisen SmartToken shows ads.

### Which is updated more often, 24pay or Raiffeisen SmartToken?

24pay ships an update every 10 days, and Raiffeisen SmartToken every 6 weeks. Most recently, 24pay was updated on September 10, 2026 and Raiffeisen SmartToken on September 18, 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.*