# Skip Pay vs ČSOB Smart

The clearest difference is ratings volume: ČSOB Smart at 744 against Skip Pay's 3. Skip Pay's advantage is review sentiment (60% vs 37%) and update cadence (every 9 days vs monthly). On price, rating, 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.

On the App Store both sit at effectively the same score — 4.7 for Skip Pay against 4.8 for ČSOB Smart. That said, the two scores are not equally well evidenced: ČSOB Smart has 744 ratings behind it against 3, so its average is the more settled of the two. Written reviews are what separate them: 60% of Skip Pay's written reviews are positive against 37% of ČSOB Smart's.

Skip Pay ships an update every 9 days, ČSOB Smart monthly. The most recent releases landed on September 18, 2026 and September 21, 2026 respectively.

## The numbers

| Metric | Skip Pay | ČSOB Smart |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.7 (3 ratings)](https://appshunter.io/ios/app/skip-pay/id1450758826/reviews) | **[4.8 (744 ratings)](https://appshunter.io/ios/app/csob-smart/id1528483245/reviews)** |
| Number of ratings | 3 | **744** |
| Positive reviews | **60.0% of reviews** | 36.9% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 9 days** | Monthly |
| Monetization | **Ad-supported** | Free with in-app purchases |
| Size | 100 MB | 330 MB |
| Requires iOS | **15.0** | 16.4 |
| Devices | **iPhone, iPod, Apple Watch** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Skip Pay s.r.o.](https://appshunter.io/developer/1450758825) | [Československá obchodní banka, a.s.](https://appshunter.io/developer/479852418) |

## What reviewers say

### Skip Pay

[App page](https://appshunter.io/ios/app/skip-pay/id1450758826)

Manage all your purchases, activate a virtual card, and view your PIN.  Enjoy benefits like paying up to 50 days later, splitting payments, and earning rewards.

**Highlights:** Manage all purchases in one place, Activate virtual card, View PIN anytime, Check loyalty balance and redeem points, Pay up to 50 days later, Split payments into installments, Send money to any Czech account

**Features:** Apple Watch app, Vision Pro support

**In-app purchases:** none


### ČSOB Smart

[App page](https://appshunter.io/ios/app/csob-smart/id1528483245)

Manage your entire banking and insurance needs from your mobile device. Open new accounts, track all your finances, make payments, and handle insurance claims and policies with ease. Securely access your accounts and customize your experience.

**Highlights:** Open new accounts, Track account balances, Scan and pay invoices, Manage loans and mortgages, Control bank cards, Arrange insurance and loans, Manage insurance contracts

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 👍 Consistent app design
- 🚀 Reliable and stable
- 💡 Useful features like Kate assistant

**What reviewers complain about**

- 🐛 Frequent crashes and login issues
- ⏱️ Slow performance and long loading times
- 🤔 Confusing UI and navigation
- 🤯 Forced updates and compatibility issues

**Reported bugs**

- Disappearing account balances and interest payments
- Payments not processed immediately
- Repeated login failures

**Requested features**

- Add support for older iOS versions
- Improve transaction history and search
- Introduce more language options
- Provide iPad-optimized layout


## Frequently asked questions

### Is Skip Pay free?

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

### Is ČSOB Smart free?

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

### Which has better reviews, Skip Pay or ČSOB Smart?

ČSOB Smart is rated higher. Skip Pay averages 4.7 out of 5 from 3 ratings, while ČSOB Smart averages 4.8 from 744 ratings.

### Do Skip Pay or ČSOB Smart have ads?

Neither Skip Pay nor ČSOB Smart shows ads.

### Which is updated more often, Skip Pay or ČSOB Smart?

Skip Pay ships an update every 9 days, and ČSOB Smart monthly. Most recently, Skip Pay was updated on September 18, 2026 and ČSOB Smart on September 21, 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.*