Raiffeisen SmartToken vs e
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.
e
Access your bank accounts globally for balance checks, payments, and currency exchange. Locate ATMs and branches easily. Requires prior activation of internet banking services.
- Balance checking
- Making payments
- Using templates
- Currency exchange
- ATM and branch search
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e-ximBanking application provides simple and fast access to your finances, anytime and anywhere in the world. The basic services you have access to are balance checking, making payments or using templates, currency exchange or the possibility to easily search ATMs and branches of Exim Banca Romaneasca. It can be used by individual customers who have previously activated the e-ximBanking Internet Banking service.
Screenshots
Verdict
The clearest difference is rating: Raiffeisen SmartToken at 4.6 against e's 2.0. Raiffeisen SmartToken also leads on ratings volume (298 vs 1). e's advantage is review sentiment (47% vs 10%). 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 2.0. That said, the two scores are not equally well evidenced: Raiffeisen SmartToken has 298 ratings behind it against 1, so its average is the more settled of the two. Written reviews complicate that: 10% of Raiffeisen SmartToken's written reviews are positive against 47% of e'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, e every 2 months. The most recent releases landed on September 18, 2026 and September 23, 2026 respectively.
| Parameter | Raiffeisen SmartToken | e |
|---|---|---|
| Price | Free | Free |
| Rating | 4.6 (298 ratings) — better | 2.0 (1 ratings) |
| Positive reviews | 9.6% of reviews | 46.7% of reviews — better |
| Number of ratings | 298 — better | 1 |
| Update frequency | Every 6 weeks — better | Every 2 months |
| 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 | 60 MB |
| Age rating | 4+ | 17+ |
| Developer | Raiffeisen Bank Romania S.A. | Banca Romaneasca S.A. |
Customer experience
Raiffeisen SmartToken
e
In-app purchases
Raiffeisen SmartToken
No in-app purchases
e
No in-app purchases
