Raiffeisen SmartToken vs SelfPay Now
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.
SelfPay Now
Easily deposit cash onto any card at payment stations, transfer money instantly and for free to friends or between your cards, and pay bills and taxes to municipalities. Turn any station into a deposit ATM for immediate access to your funds.
- Instant cash deposits to any card
- Free money transfers to friends
- Transfer between your cards
- Pay bills and taxes
- Nationwide payment station network
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Download SelfPay Now and enjoy a simple and secure financial experience: • Deposit cash instantly onto any card at SelfPay Payment Stations. • Transfer money – instantly and for free – to friends or between your cards, regardless of the issuing bank. • Pay bills and local taxes directly from the app • Purchase your Romanian vignette, Bulgarian vignette and Fetești bridge toll in just a few taps • Save your vehicle details in My Garage for easier management • Keep all your loyalty cards in one place • Top up your prepaid mobile credit or purchase a Travel eSIM in seconds • Buy gaming credits and licenses • Purchase digital gift cards for your favorite services • Check a vehicle's history through the AiDaune service • Purchase your RCA car insurance directly from the app • Purchase 9695 roadside assistance services SelfPay Now quickly and easily turns your cash into money on your card, exactly when you need it. You can deposit cash at any of the 14.000+ SelfPay Payment Stations across the country, and the money is instantly available on your card - no trips to the bank and no reliance on ATMs. With an extensive network of Payment Stations located in supermarkets, gas stations, and convenience stores, you have the freedom to make deposits wherever you are. With access to over 200 services, SelfPay Now is the app that makes managing your everyday payments and services easier. Everything you need is available in one place - fast, secure and easy to use. Address: 153-155 Dacia Blvd., Floors 5-7, Sector 2, Bucharest, Romania
Screenshots
Verdict
The clearest difference is review sentiment: SelfPay Now at 51% against Raiffeisen SmartToken's 10%. Raiffeisen SmartToken's advantage is ratings volume (300 vs 6) and rating (4.6 vs 4.3). 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
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 4.3. That said, the two scores are not equally well evidenced: Raiffeisen SmartToken has 300 ratings behind it against 6, so its average is the more settled of the two. Written reviews complicate that: 10% of Raiffeisen SmartToken's written reviews are positive against 51% of SelfPay Now's, so the app with the better star average is not the one people write more warmly about.
Raiffeisen SmartToken ships an update every 6 weeks, SelfPay Now every 3 weeks. The most recent releases landed on October 29, 2026 and October 24, 2026 respectively.
| Parameter | Raiffeisen SmartToken | SelfPay Now |
|---|---|---|
| Price | Free | Free |
| Rating | 4.6 (300 ratings) — better | 4.3 (6 ratings) |
| Positive reviews | 9.6% of reviews | 50.9% of reviews — better |
| Number of ratings | 300 — better | 6 |
| Update frequency | Every 6 weeks | Every 3 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone | iPhone |
| Requires iOS | 16.0 — better | 16.5 |
| Further details — not scored | ||
| Size | 43 MB | 108 MB |
| Age rating | 4+ | 4+ |
| Developer | Raiffeisen Bank Romania S.A. | SelfPay S.A |
Customer experience
Raiffeisen SmartToken
SelfPay Now
In-app purchases
Raiffeisen SmartToken
No in-app purchases
SelfPay Now
No in-app purchases
Questions
Is Raiffeisen SmartToken free?
Is SelfPay Now free?
Which has better reviews, Raiffeisen SmartToken or SelfPay Now?
Do Raiffeisen SmartToken or SelfPay Now have ads?
Which is updated more often, Raiffeisen SmartToken or SelfPay Now?
Other comparisons
