Comparison

Fio Smartbanking SK vs CSOB SmartToken

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

Head to head
About

Fio Smartbanking SK

Manage your bank account on the go with this secure mobile banking app. Easily check balances, make payments, control card limits, and even apply for loans, savings, or investments. Open new accounts or manage existing ones with a few clicks.

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

Fio Smartbanking je inteligentné a bezpečné mobilné bankovníctvo na každodennú správu financií – s okamžitými platbami zdarma, správou kariet, sporením, investovaním a založením účtu online. Rýchly štart bez návštevy pobočky Ste klientom Fio banky? Stačí si aplikáciu stiahnuť a jednoducho aktivovať. Ešte nemáte účet? Založte si ho priamo v aplikácii, zvládnete to pohodlne online už za niekoľko minút. Najdôležitejšie bankové služby na pár ťuknutí • Platby mobilom a hodinkami. • Okamžité platby zadarmo. • Platby na kontakt. • QR platby a Zaplať mi. Prehľad o financiách kedykoľvek a odkiaľkoľvek • Zostatky a pohyby na účtoch. • Správa kariet, ich limitov aj zabezpečenia. • Widget so zostatkom na plochu mobilu. • Prispôsobenie aplikácie podľa vlastných potrieb. Viac než len bežný účet • Nová karta ihneď. • Sporenie. • Investovanie. • Pôžička a povolené prečerpanie. • Poistenie ku kartám. Bezpečnosť, na ktorú sa môžete spoľahnúť Aplikácia spĺňa najmodernejšie bezpečnostné štandardy a chráni vaše financie pri prihlasovaní aj potvrdzovaní transakcií. Po novom si počas telefonátu môžete v aplikácii overiť, že vám skutočne volá Fio banka. Rovnako tak môžete počas hovoru bezpečne potvrdiť svoju totožnosť bankárovi. K dispozícii je aj zabezpečená komunikácia cez Fio servis a možnosť kontaktovať infolinku priamo z aplikácie.

About

CSOB SmartToken

This secure mobile application allows clients to electronically sign transactions and log into digital banking services. It offers multiple activation methods, including biometric verification and contact center support. Optional permissions enhance convenience, and while an internet connection is needed for activation, it can function offline.

Highlights
  • Electronic transaction signing
  • Digital banking login
  • Biometric activation
  • Cross-device activation transfer
  • Optional permission grants
  • Offline functionality after activation
Read full description

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

Fio Smartbanking SK4 screens
CSOB SmartToken4 screens

Verdict

The call

The clearest difference is review sentiment: Fio Smartbanking SK at 69% against CSOB SmartToken's 22%. Fio Smartbanking SK also leads on update cadence (every 11 days vs every 2 months). CSOB SmartToken's advantage is rating (4.8 vs 3.8) and ratings volume (123 vs 13). On price, ads, in-app purchases and monetization model 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

CSOB SmartToken holds the better App Store score, 4.8 against 3.8. That said, the two scores are not equally well evidenced: CSOB SmartToken has 123 ratings behind it against 13, so its average is the more settled of the two. Written reviews complicate that: 69% of Fio Smartbanking SK's written reviews are positive against 22% of CSOB SmartToken's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

Fio Smartbanking SK ships an update every 11 days, CSOB SmartToken every 2 months. Both last shipped on October 24, 2026.

Scorecard4 real differences · 6 level
Fio Smartbanking SK versus CSOB SmartToken: the parameters behind the verdict, then further details
ParameterFio Smartbanking SKCSOB SmartToken
PriceFreeFree
Rating3.8 (13 ratings)4.8 (123 ratings) — better
Positive reviews69.2% of reviews — better22.2% of reviews
Number of ratings13123 — better
Update frequencyEvery 11 days — betterEvery 2 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.614.0 — better
Further details — not scored
Size86 MB46 MB
Age rating4+9+
DeveloperFio banka, a.s.Československá obchodná banka

Customer experience

Fio Smartbanking SK

All ratings12 ratings
Positive66.7%
Neutral0.0%
Negative33.3%
Written reviews13 reviews
Positive69.2%
Neutral0.0%
Negative30.8%

CSOB SmartToken

All ratings123 ratings
Positive95.1%
Neutral1.6%
Negative3.3%
Written reviews54 reviews
Positive22.2%
Neutral1.9%
Negative75.9%

In-app purchases

None

Fio Smartbanking SK

No in-app purchases

None

CSOB SmartToken

No in-app purchases

Questions

Is Fio Smartbanking SK free?
Fio Smartbanking SK is free to download, with no in-app purchases.
Is CSOB SmartToken free?
CSOB SmartToken is free to download, with no in-app purchases.
Which has better reviews, Fio Smartbanking SK or CSOB SmartToken?
CSOB SmartToken is rated higher. Fio Smartbanking SK averages 3.8 out of 5 from 13 ratings, while CSOB SmartToken averages 4.8 from 123 ratings.
Do Fio Smartbanking SK or CSOB SmartToken have ads?
Neither Fio Smartbanking SK nor CSOB SmartToken shows ads.
Which is updated more often, Fio Smartbanking SK or CSOB SmartToken?
Fio Smartbanking SK ships an update every 11 days, and CSOB SmartToken every 2 months. Most recently, Fio Smartbanking SK was updated on October 24, 2026 and CSOB SmartToken on October 24, 2026.

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