# Raiffeisen SmartToken vs pay.bt

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.

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.

## The numbers

| Metric | Raiffeisen SmartToken | pay.bt |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.6 (300 ratings)](https://appshunter.io/ios/app/raiffeisen-smarttoken/id1317774366/reviews)** | — |
| Number of ratings | **300** | — |
| Positive reviews | 9.6% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 6 weeks | **Weekly** |
| Monetization | Free | — |
| Size | 43 MB | 29 MB |
| Requires iOS | 16.0 | **15.0** |
| Devices | iPhone | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Raiffeisen Bank Romania S.A.](https://appshunter.io/developer/470512473) | [aBIt pvt ltd](https://appshunter.io/developer/1542454263) |

## 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


### pay.bt

[App page](https://appshunter.io/ios/app/paybt/id6751620608)

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is Raiffeisen SmartToken free?

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

### Is pay.bt free?

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

### Do Raiffeisen SmartToken or pay.bt have ads?

Neither Raiffeisen SmartToken nor pay.bt shows ads.

### Which is updated more often, Raiffeisen SmartToken or pay.bt?

Raiffeisen SmartToken ships an update every 6 weeks, and pay.bt weekly. Most recently, Raiffeisen SmartToken was updated on October 22, 2026 and pay.bt on October 13, 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.*