IAD Mobile vs CSOB SmartToken
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
IAD Mobile
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IAD Online je aplikácia pre klientov správcovskej spoločnosti IAD Investments a ich sprostredkovateľov. Vďaka nej môžu spravovať svoje investície.
CSOB SmartToken
Securely log in and authorize transactions for digital banking services. Confirm payments, access electronic banking, and authorize online card payments. Works offline after activation, offering multiple secure activation methods.
- Secure login to digital banking
- Confirm payments and operations
- Authorize online card payments (3D Secure)
- Offline functionality
- Multiple secure activation methods
- Biometric authentication support
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At CSOB, we believe that managing your finances should be convenient, modern, and secure at the same time. That is why we bring you the ČSOB SmartToken mobile application, designed for secure login and authorization of operations in the bank’s digital services. With the application, you can easily and securely: • confirm payments and other active operations • log in to electronic banking • authorize online card payments (3D Secure) • activate the ČSOB SmartBanking application After activation, the application also works offline, without an internet connection – depending on the type of operation, you can confirm it directly in the app or by scanning a QR code and entering an authorization code. After installation, the app will guide you through the activation in just a few steps. You can choose from several modern and secure activation methods: • activation using an identity document • identity verification using facial biometrics • transfer of activation from an old device to a new one via QR code • activation via the ČSOB info line For new clients, the process is even simpler – thanks to new technology, the application can process the provided data and complete the activation conveniently, without duplicate identity verification. For security reasons, this application is not supported on unofficially modified operating systems and devices. Biometric authentication is supported only on selected devices and for selected types of transactions. ©2020 CSOB Slovakia
Screenshots
Verdict
IAD Mobile and CSOB SmartToken are too close to call on the numbers: across 6 compared parameters — price, update cadence, ads and in-app purchases among them — neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.
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.
IAD Mobile ships an update monthly, CSOB SmartToken every 2 months. The most recent releases landed on October 23, 2026 and November 3, 2026 respectively.
| Parameter | IAD Mobile | CSOB SmartToken |
|---|---|---|
| Price | Free | Free |
| Rating | — | 4.8 (123 ratings) — better |
| Positive reviews | — | 22.2% of reviews |
| Number of ratings | — | 123 — better |
| Update frequency | Monthly — better | Every 2 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | — | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 15.0 | 14.0 — better |
| Further details — not scored | ||
| Size | 28 MB | 46 MB |
| Age rating | 4+ | 9+ |
| Developer | IAD Investments, sprav. spol., a.s. | Československá obchodná banka |
In-app purchases
IAD Mobile
No in-app purchases
CSOB SmartToken
No in-app purchases









