# Fio Smartbanking SK vs CSOB SmartToken

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.

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

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.

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

## The numbers

| Metric | Fio Smartbanking SK | CSOB SmartToken |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.8 (13 ratings)](https://appshunter.io/ios/app/fio-smartbanking-sk/id1466759340/reviews) | **[4.8 (123 ratings)](https://appshunter.io/ios/app/csob-smarttoken/id1477450487/reviews)** |
| Number of ratings | 13 | **123** |
| Positive reviews | **69.2% of reviews** | 22.2% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 11 days** | Every 2 months |
| Monetization | Free | Free |
| Size | 86 MB | 46 MB |
| Requires iOS | 15.6 | **14.0** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 9+ |
| Developer | [Fio banka, a.s.](https://appshunter.io/developer/438668384) | [Československá obchodná banka](https://appshunter.io/developer/456927882) |

## What reviewers say

### Fio Smartbanking SK

[App page](https://appshunter.io/ios/app/fio-smartbanking-sk/id1466759340)

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:** Apple Wallet

**In-app purchases:** none


### CSOB SmartToken

[App page](https://appshunter.io/ios/app/csob-smarttoken/id1477450487)

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

**In-app purchases:** none


## Frequently asked 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.

---

*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*