Raiffeisen SmartToken vs YOU BRD
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Raiffeisen SmartToken
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.
- Secure transaction authentication
- Order transactions remotely
- eToken functionality
- 100% online process
- No physical token needed
- Integrates with mobile banking
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Be the first who tries the new Raiffeisen SmartToken app, integrated with Raiffeisen Smart Mobile and Raiffeisen Online - helping you to authenticate and order any transaction safely and securely, wherever you are, using just your mobile phone. The app is an eToken that makes authentication easy and makes everything 100% online, without the need for a physical token. To activate authentication via Raiffeisen SmartToken, all you need to do is tick the option in your new Raiffeisen Smart Mobile app.
YOU BRD
Manage your finances on the go with secure mobile banking. Access your accounts, view transaction history, and perform transfers with biometric authentication.
- Fingerprint/facial recognition access
- National beneficiary transfers
- Transfers between own accounts
- Exchange rate information
- Transaction history
- Internet banking authentication
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The most important features from application are: • Access based on fingerprint or facial recognition • Transfers to national beneficiaries • Transfers between own accounts • Exchange rate • Transactions History Use the benefits of mobile banking services. In addition, you can use the YOU BRD application for the authentication to the internet banking service.
Screenshots
Verdict
The clearest difference is update cadence: YOU BRD at fortnightly against Raiffeisen SmartToken's every 6 weeks. YOU BRD also leads on review sentiment (19% vs 10%) and ratings volume (925 vs 301). On price, rating, 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
On the App Store both sit at effectively the same score — 4.6 for Raiffeisen SmartToken against 4.7 for YOU BRD. Both are backed by a comparable volume of ratings — 301 and 925 respectively. Written reviews are what separate them: 10% of Raiffeisen SmartToken's written reviews are positive against 19% of YOU BRD's.
Raiffeisen SmartToken ships an update every 6 weeks, YOU BRD fortnightly. The most recent releases landed on November 4, 2026 and November 3, 2026 respectively.
| Parameter | Raiffeisen SmartToken | YOU BRD |
|---|---|---|
| Price | Free | Free |
| Rating | 4.6 (301 ratings) | 4.7 (925 ratings) — better |
| Positive reviews | 9.6% of reviews | 19.1% of reviews — better |
| Number of ratings | 301 | 925 — better |
| Update frequency | Every 6 weeks | Fortnightly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone | iPhone, iPod — better |
| Requires iOS | 16.0 | 15.0 — better |
| Further details — not scored | ||
| Size | 43 MB | 153 MB |
| Age rating | 4+ | 4+ |
| Developer | Raiffeisen Bank Romania S.A. | BRD Groupe Societe Generale S.A. |
Customer experience
Raiffeisen SmartToken
YOU BRD
Bugs and requests
Raiffeisen SmartToken
Not enough reviews yet to summarise bugs or requests.
YOU BRD
Reported bugs
4 issues- Inability to register with non-Romanian phone numbers
- Frequent app crashes and loading errors
- Issues with facial recognition and identity verification
- Problems with SMS-based authentication
Requested features
5 requests- Improve registration and account setup process
- Provide better in-app support and troubleshooting
- Simplify UI and make navigation more intuitive
- Reduce fees and commissions
- Allow access for international customers
In-app purchases
Raiffeisen SmartToken
No in-app purchases
YOU BRD
No in-app purchases
Questions
Is Raiffeisen SmartToken free?
Is YOU BRD free?
Which has better reviews, Raiffeisen SmartToken or YOU BRD?
Do Raiffeisen SmartToken or YOU BRD have ads?
Which is updated more often, Raiffeisen SmartToken or YOU BRD?
Other comparisons
