Raiffeisen SmartToken vs Ghiseul.ro
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.
Ghiseul.ro
Easily pay over 350 types of public services, fees, and taxes online from more than 1200 Romanian institutions. Save time and enjoy secure, commission-free transactions with immediate payment confirmations and legally recognized proof of payment.
- Pay over 350 public services, fees, and taxes
- Supports +1200 Romanian institutions
- Zero commission on all payments
- Secure transactions with status checks
- Immediate payment confirmations via email
- Payment history and traceability
- Access legally recognized proof of payment
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Join over 1.4 million Romanians who already use Ghiseul.ro. No more worries in your interaction with the Romanian public administration! Use the Ghiseul.ro app to pay online – simply, quickly and securely – over 350 types of public services, fees and taxes, provided by +1200 Romanian institutions and authorities. All payments made through Ghișeul.ro, the official online payment system of the Romanian Government, have ZERO commission. Your 7 benefits when using the app: 1. Save time – pay online, with no unnecessary trips to institutions; 2. Non-stop service – pay when you want; 3. ZERO commission on every payment; 4. Safe transactions – the security of transactions is guaranteed and you can check the status of your payments anytime; 5. Payment confirmation issued immediately – you receive the payment confirmation by e-mail, as soon as the transaction is processed; 6. Traceability – see all transactions you made in the Payments History section of the application; 7. Access the proof of payment, which is legally recognized, whenever you need to. Depending on your needs, you have two options: 1. you create an account using the app, where you will find all payment obligations for taxes; 2. you use the app to make payments that do not require authentication, such as service-specific fees (passport, car licenses, certificates or registration plates, bulletin), fines, court fees, etc. Create a Ghiseul.ro account using the 7-step Account Creation Guide at: https://www.adr.gov.ro/ghiseul-ro/ Don't forget: between January 1 and March 31, you have up to 10% discount on paying taxes. Terms and conditions apply to this offer. Find out what the specific conditions are from your local town hall. Also remember that Ghiseul.ro can be used only by Romanian citizens that have a Romanian ID and unique code (CNP) and a bank card. In 2022, Ghiseul.ro processed over 3.4 million transactions, worth over 1.4 billion lei. Ghiseul.ro is the official online payment platform of the Romanian state, managed by the Authority for the Digitalization of Romania.
Screenshots
Verdict
The clearest difference is review sentiment: Ghiseul.ro at 80% against Raiffeisen SmartToken's 10%. Ghiseul.ro also leads on rating (4.9 vs 4.6) and update cadence (fortnightly vs every 6 weeks). On price, ratings volume, 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.
Ghiseul.ro holds the better App Store score, 4.9 against 4.6. Both are backed by a comparable volume of ratings — 301 and 244 respectively. Written reviews point the same way: 10% of Raiffeisen SmartToken's written reviews are positive against 80% of Ghiseul.ro's.
Raiffeisen SmartToken ships an update every 6 weeks, Ghiseul.ro fortnightly. The most recent releases landed on November 4, 2026 and November 3, 2026 respectively.
| Parameter | Raiffeisen SmartToken | Ghiseul.ro |
|---|---|---|
| Price | Free | Free |
| Rating | 4.6 (301 ratings) | 4.9 (244 ratings) — better |
| Positive reviews | 9.6% of reviews | 80.0% of reviews — better |
| Number of ratings | 301 — better | 244 |
| 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 | 38 MB |
| Age rating | 4+ | 4+ |
| Developer | Raiffeisen Bank Romania S.A. | Autoritatea pentru Digitalizarea Romaniei |
Customer experience
Raiffeisen SmartToken
Ghiseul.ro
In-app purchases
Raiffeisen SmartToken
No in-app purchases
Ghiseul.ro
No in-app purchases







