# Raiffeisen SmartToken vs SelfPay Now

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.

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.

## The numbers

| Metric | Raiffeisen SmartToken | SelfPay Now |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.6 (300 ratings)](https://appshunter.io/ios/app/raiffeisen-smarttoken/id1317774366/reviews)** | [4.3 (6 ratings)](https://appshunter.io/ios/app/selfpay-now/id1573113657/reviews) |
| Number of ratings | **300** | 6 |
| Positive reviews | 9.6% of reviews | **50.9% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 6 weeks | **Every 3 weeks** |
| Monetization | Free | Free |
| Size | 43 MB | 108 MB |
| Requires iOS | **16.0** | 16.5 |
| Devices | iPhone | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Raiffeisen Bank Romania S.A.](https://appshunter.io/developer/470512473) | [SelfPay S.A](https://appshunter.io/developer/1423598777) |

## 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


### SelfPay Now

[App page](https://appshunter.io/ios/app/selfpay-now/id1573113657)

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.

**Highlights:** Instant cash deposits to any card, Free money transfers to friends, Transfer between your cards, Pay bills and taxes, Nationwide payment station network

**Features:** Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Raiffeisen SmartToken free?

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

### Is SelfPay Now free?

SelfPay Now is free to download, with no in-app purchases.

### Which has better reviews, Raiffeisen SmartToken or SelfPay Now?

Raiffeisen SmartToken is rated higher. Raiffeisen SmartToken averages 4.6 out of 5 from 300 ratings, while SelfPay Now averages 4.3 from 6 ratings.

### Do Raiffeisen SmartToken or SelfPay Now have ads?

Neither Raiffeisen SmartToken nor SelfPay Now shows ads.

### Which is updated more often, Raiffeisen SmartToken or SelfPay Now?

Raiffeisen SmartToken ships an update every 6 weeks, and SelfPay Now every 3 weeks. Most recently, Raiffeisen SmartToken was updated on October 29, 2026 and SelfPay Now on October 24, 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.*