# Raiffeisen SmartToken vs Ghiseul.ro

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.

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.

## The numbers

| Metric | Raiffeisen SmartToken | Ghiseul.ro |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.6 (301 ratings)](https://appshunter.io/ios/app/raiffeisen-smarttoken/id1317774366/reviews) | **[4.9 (244 ratings)](https://appshunter.io/ios/app/ghiseulro/id6444286475/reviews)** |
| Number of ratings | **301** | 244 |
| Positive reviews | 9.6% of reviews | **80.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 6 weeks | **Fortnightly** |
| Monetization | Free | Free |
| Size | 43 MB | 38 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) | [Autoritatea pentru Digitalizarea Romaniei](https://appshunter.io/developer/1652462568) |

## 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


### Ghiseul.ro

[App page](https://appshunter.io/ios/app/ghiseulro/id6444286475)

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.

**Highlights:** 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

**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 Ghiseul.ro free?

Ghiseul.ro is free to download, with no in-app purchases.

### Which has better reviews, Raiffeisen SmartToken or Ghiseul.ro?

Ghiseul.ro is rated higher. Raiffeisen SmartToken averages 4.6 out of 5 from 301 ratings, while Ghiseul.ro averages 4.9 from 244 ratings.

### Do Raiffeisen SmartToken or Ghiseul.ro have ads?

Neither Raiffeisen SmartToken nor Ghiseul.ro shows ads.

### Which is updated more often, Raiffeisen SmartToken or Ghiseul.ro?

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

---

*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*