# Raiffeisen SmartToken vs e

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.

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.

## The numbers

| Metric | Raiffeisen SmartToken | e |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.6 (298 ratings)](https://appshunter.io/ios/app/raiffeisen-smarttoken/id1317774366/reviews)** | [2.0 (1 ratings)](https://appshunter.io/ios/app/e-ximbanking/id6471837434/reviews) |
| Number of ratings | **298** | 1 |
| Positive reviews | 9.6% of reviews | **46.7% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 6 weeks** | Every 2 months |
| Monetization | Free | Free |
| Size | 43 MB | 60 MB |
| Requires iOS | 16.0 | **15.0** |
| Devices | iPhone | **iPhone, iPod** |
| Age rating | 4+ | 17+ |
| Developer | [Raiffeisen Bank Romania S.A.](https://appshunter.io/developer/470512473) | [Banca Romaneasca S.A.](https://appshunter.io/developer/1501355672) |

## 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


### e

[App page](https://appshunter.io/ios/app/e-ximbanking/id6471837434)

Access your bank accounts globally for balance checks, payments, and currency exchange. Locate ATMs and branches easily. Requires prior activation of internet banking services.

**Highlights:** Balance checking, Making payments, Using templates, Currency exchange, ATM and branch search

**Features:** macOS Compatibility, 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 e free?

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

### Which has better reviews, Raiffeisen SmartToken or e?

Raiffeisen SmartToken is rated higher. Raiffeisen SmartToken averages 4.6 out of 5 from 298 ratings, while e averages 2.0 from 1 ratings.

### Do Raiffeisen SmartToken or e have ads?

Neither Raiffeisen SmartToken nor e shows ads.

### Which is updated more often, Raiffeisen SmartToken or e?

Raiffeisen SmartToken ships an update every 6 weeks, and e every 2 months. Most recently, Raiffeisen SmartToken was updated on September 18, 2026 and e on September 23, 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.*