# Fio Smartbanking CZ vs ČSOB Smart

The clearest difference is rating: ČSOB Smart at 4.8 against Fio Smartbanking CZ's 4.1. ČSOB Smart also leads on ratings volume (757 vs 42). Fio Smartbanking CZ's advantage is review sentiment (62% vs 37%) and monetization model (free vs free with in-app purchases). On price, ads, in-app purchases and device support there is nothing between them.

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

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 757 ratings behind it against 42, 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.

Fio Smartbanking CZ ships an update every 11 days, ČSOB Smart monthly. The most recent releases landed on November 2, 2026 and November 5, 2026 respectively.

## The numbers

| Metric | Fio Smartbanking CZ | ČSOB Smart |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.1 (42 ratings)](https://appshunter.io/ios/app/fio-smartbanking-cz/id1451236597/reviews) | **[4.8 (757 ratings)](https://appshunter.io/ios/app/csob-smart/id1528483245/reviews)** |
| Number of ratings | 42 | **757** |
| Positive reviews | **61.9% of reviews** | 36.9% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 11 days** | Monthly |
| Monetization | **Free** | Free with in-app purchases |
| Size | 86 MB | 300 MB |
| Requires iOS | **15.6** | 16.4 |
| Devices | iPhone, iPod | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Fio banka, a.s.](https://appshunter.io/developer/438668384) | [Československá obchodní banka, a.s.](https://appshunter.io/developer/479852418) |

## What reviewers say

### Fio Smartbanking CZ

[App page](https://appshunter.io/ios/app/fio-smartbanking-cz/id1451236597)

Manage your finances with this secure mobile banking app. Perform instant free payments, manage cards, savings, and investments. Open an account online in minutes.

**Highlights:** Instant free payments, Mobile and watch payments, Card management and security, Savings and investments, Online account opening, Secure communication

**Features:** Apple Wallet

**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 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 42 ratings, while ČSOB Smart averages 4.8 from 757 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 November 2, 2026 and ČSOB Smart on November 5, 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.*