# Raiffeisen SmartToken vs YOU BRD

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.

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.

## The numbers

| Metric | Raiffeisen SmartToken | YOU BRD |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.6 (301 ratings)](https://appshunter.io/ios/app/raiffeisen-smarttoken/id1317774366/reviews) | **[4.7 (925 ratings)](https://appshunter.io/ios/app/you-brd/id1484062157/reviews)** |
| Number of ratings | 301 | **925** |
| Positive reviews | 9.6% of reviews | **19.1% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 6 weeks | **Fortnightly** |
| Monetization | Free | Free |
| Size | 43 MB | 153 MB |
| Requires iOS | 16.0 | **15.0** |
| Devices | iPhone | **iPhone, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Raiffeisen Bank Romania S.A.](https://appshunter.io/developer/470512473) | [BRD Groupe Societe Generale S.A.](https://appshunter.io/developer/720180339) |

## What reviewers say

### 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


### YOU BRD

[App page](https://appshunter.io/ios/app/you-brd/id1484062157)

Manage your finances on the go with secure mobile banking. Access your accounts, view transaction history, and perform transfers with biometric authentication.

**Highlights:** Fingerprint/facial recognition access, National beneficiary transfers, Transfers between own accounts, Exchange rate information, Transaction history, Internet banking authentication

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 👍 Fast and secure transfers
- 💡 Convenient payment options

**What reviewers complain about**

- 🐛 Frequent crashes and errors
- 🤯 Frustrating registration process
- 🤔 Confusing UI and navigation
- 🤬 Poor customer support
- 💰 High fees and commissions

**Reported bugs**

- 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**

- 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


## Frequently asked questions

### Is Raiffeisen SmartToken free?

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

### Is YOU BRD free?

YOU BRD is free to download, with no in-app purchases.

### Which has better reviews, Raiffeisen SmartToken or YOU BRD?

YOU BRD is rated higher. Raiffeisen SmartToken averages 4.6 out of 5 from 301 ratings, while YOU BRD averages 4.7 from 925 ratings.

### Do Raiffeisen SmartToken or YOU BRD have ads?

Neither Raiffeisen SmartToken nor YOU BRD shows ads.

### Which is updated more often, Raiffeisen SmartToken or YOU BRD?

Raiffeisen SmartToken ships an update every 6 weeks, and YOU BRD fortnightly. Most recently, Raiffeisen SmartToken was updated on November 4, 2026 and YOU BRD on November 3, 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.*