Comparison

Fio Smartbanking CZ vs ČSOB Smart

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Fio Smartbanking CZ

Manage your bank account on the go with this smart banking app. Check balances, make payments, control card limits, and even apply for loans or start investing. It offers a secure and user-friendly way to handle all your financial needs.

Highlights
  • Account balance checks
  • Mobile payments
  • Card limit control
  • Loan and credit applications
  • Savings and investment options
  • QR code payments
  • Customizable home screen
Features
Read full description

Fio Smartbanking je chytré a bezpečné mobilní bankovnictví pro každodenní správu financí - s okamžitými platbami zdarma, správou karet, spořením, investováním a založením účtu online přes Bank iD. Rychlý start bez návštěvy pobočky Jste klientem Fio banky? Stačí si aplikaci stáhnout a jednoduše aktivovat. Ještě účet nemáte? Založte si ho přímo v aplikaci. Díky Bank iD zvládnete otevření účtu pohodlně online během několika minut. Nejdůležitější bankovní služby na pár klepnutí • Platby mobilem a hodinkami. • Okamžité platby zdarma v CZK i EUR. • Platby na kontakt. • QR platby a Zaplať mi. Přehled o financích kdykoliv a odkudkoliv • Zůstatky a pohyby na účtech. • Správa karet, jejich limitů i zabezpečení. • Widget se zůstatkem na plochu mobilu. • Přizpůsobení aplikace dle vlastních potřeb. Více než jen běžný účet • Nová karta ihned. • Spoření. • Investování. • Půjčka a kontokorent. • Pojištění ke kartám. Bezpečnost, na kterou se můžete spolehnout Aplikace splňuje nejmodernější bezpečnostní standardy a chrání vaše finance při přihlášení i potvrzování transakcí. Nově si během telefonátu můžete v aplikaci ověřit, že vám skutečně volá Fio banka. Stejně tak můžete během telefonátu bezpečně potvrdit svou totožnost bankéři. K dispozici je také zabezpečená komunikace přes Fio servis a možnost kontaktovat infolinku přímo z aplikace.

About

ČSOB Smart

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
Read full description

With ČSOB Smart you have the whole bank and insurance company in your mobile. You are not a client yet? It is not a problem, you can become one right in the app – opening a current account takes only few minutes. Why it is great to have ČSOB Smart: 1. Your money is safe, it is protected not only by your bank identity, but also by Face ID or Touch ID. 2. You always know how much money you have, both in your current and savings account, and even on investments account. 3. It makes payments easy, even invoice payment, thanks to the possibility to scan it from a QR code. 4. You have a perfect control of accounts, mortgages, loans, insurance and other ČSOB products. 5. You can change your card limit, display forgotten PIN code, or temporarily lock the card, and it all takes no time. 6. It allows you to easily arrange a loan, savings, investments, travel insurance and other products. 7. Here you may manage your insurance contracts, report an insurance event and monitor its handling progress. You can also find here your insurance documents, such as your Green Card. 8. You can customize it according to your needs, adjust the order of the products or set the dark mode of an app. And that's not all! You can explore more features after downloading it.

Screenshots

Fio Smartbanking CZ4 screens
ČSOB Smart4 screens

Verdict

The call

The clearest difference is rating: ČSOB Smart at 4.8 against Fio Smartbanking CZ's 4.1. ČSOB Smart also leads on ratings volume (744 vs 39). Fio Smartbanking CZ's advantage is monetization model (free vs free with in-app purchases) and review sentiment (62% vs 37%). On price, ads, in-app purchases and device support 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

ČSOB Smart holds the better App Store score, 4.8 against 4.1. That said, the two scores are not equally well evidenced: ČSOB Smart has 744 ratings behind it against 39, so its average is the more settled of the two. Written reviews complicate that: 62% of Fio Smartbanking CZ's written reviews are positive against 37% of ČSOB Smart's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

Fio Smartbanking CZ ships an update every 11 days, ČSOB Smart monthly. The most recent releases landed on September 8, 2026 and September 21, 2026 respectively.

Scorecard5 real differences · 5 level
Fio Smartbanking CZ versus ČSOB Smart: the parameters behind the verdict, then further details
ParameterFio Smartbanking CZČSOB Smart
PriceFreeFree
Rating4.1 (39 ratings)4.8 (744 ratings) — better
Positive reviews61.6% of reviews — better36.9% of reviews
Number of ratings39744 — better
Update frequencyEvery 11 days — betterMonthly
AdsNoNo
In-app purchasesNoNo
MonetizationFree — betterFree with in-app purchases
DevicesiPhone, iPodiPhone, iPad
Requires iOS15.6 — better16.4
Further details — not scored
Size86 MB330 MB
Age rating4+4+
DeveloperFio banka, a.s.Československá obchodní banka, a.s.

Customer experience

Fio Smartbanking CZ

All ratings39 ratings
Positive76.9%
Neutral0.0%
Negative23.1%
Written reviews112 reviews
Positive61.6%
Neutral6.3%
Negative32.1%

ČSOB Smart

All ratings744 ratings
Positive95.2%
Neutral1.1%
Negative3.8%
Written reviews122 reviews
Positive36.9%
Neutral7.4%
Negative55.7%

Bugs and requests

Fio Smartbanking CZ

Not enough reviews yet to summarise bugs or requests.

ČSOB Smart

Reported bugs

3 issues
  • Disappearing account balances and interest payments
  • Payments not processed immediately
  • Repeated login failures

Requested features

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

In-app purchases

None

Fio Smartbanking CZ

No in-app purchases

None

ČSOB Smart

No in-app purchases

Questions

Is Fio Smartbanking CZ free?
Fio Smartbanking CZ 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, Fio Smartbanking CZ or ČSOB Smart?
ČSOB Smart is rated higher. Fio Smartbanking CZ averages 4.1 out of 5 from 39 ratings, while ČSOB Smart averages 4.8 from 744 ratings.
Do Fio Smartbanking CZ or ČSOB Smart have ads?
Neither Fio Smartbanking CZ nor ČSOB Smart shows ads.
Which is updated more often, Fio Smartbanking CZ or ČSOB Smart?
Fio Smartbanking CZ ships an update every 11 days, and ČSOB Smart monthly. Most recently, Fio Smartbanking CZ was updated on September 8, 2026 and ČSOB Smart on September 21, 2026.

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