Raiffeisen SmartToken vs pay.bt
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.
pay.bt
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pay.bt is the official companion app for Bhutan's international payment aggregator. Designed for businesses, freelancers, and entrepreneurs, our app gives you the power to manage your global revenue right from your pocket.
Screenshots
Verdict
The clearest difference is update cadence: pay.bt at weekly against Raiffeisen SmartToken's every 6 weeks. pay.bt also leads on device support (3 vs 1). On price, ads, in-app purchases and iOS requirement 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 ships an update every 6 weeks, pay.bt weekly. The most recent releases landed on October 22, 2026 and October 13, 2026 respectively.
| Parameter | Raiffeisen SmartToken | pay.bt |
|---|---|---|
| Price | Free | Free |
| Rating | 4.6 (300 ratings) — better | — |
| Positive reviews | 9.6% of reviews | — |
| Number of ratings | 300 — better | — |
| Update frequency | Every 6 weeks | Weekly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | — |
| Devices | iPhone | iPhone, iPad, iPod — better |
| Requires iOS | 16.0 | 15.0 — better |
| Further details — not scored | ||
| Size | 43 MB | 29 MB |
| Age rating | 4+ | 4+ |
| Developer | Raiffeisen Bank Romania S.A. | aBIt pvt ltd |
In-app purchases
Raiffeisen SmartToken
No in-app purchases
pay.bt
No in-app purchases
