Comparison

RB klíč 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

RB klíč

Securely log in to online banking and authorize transactions with your fingerprint or face scan. This app also facilitates identity verification and access recovery without visiting a branch.

Highlights
  • Secure online banking login
  • Transaction authorization via biometrics
  • PIN confirmation for operations
  • Remote access recovery
  • Identity document and biometrics verification
  • Offline transaction signing
Features
Read full description

RB klíč je aplikace od Raiffeisenbank, která vám umožňuje bezpečné a pohodlné přihlášení do internetového bankovnictví nebo Vám usnadní potvrzení pokynů, které chcete provést v internetovém bankovnictví. Dále vám RB klíč umožňuje bez návštěvy pobočky provést obnovu přístupů do aplikací Raiffeisenbank pomocí dokladů totožnosti a biometrie. Platby můžete jednoduše autorizovat pomocí otisku prstu nebo skenováním obličeje, další operace pak potvrdíte PINem v aplikaci RB klíč. Technické požadavky Aktivace aplikace je podmíněna bankou nastavených oprávnění v internetovém bankovnictví. Aplikace je k dispozici pro iOS (verze 13.0 a novější). Jak to funguje Pokud se chcete přihlásit do internetového bankovnictví nebo v něm provést platbu, na obrazovce vašeho mobilního telefonu se zobrazí „oznámení push“, tj. krátká zpráva se shrnutím transakce, která vyžaduje vaši autorizaci. Po kliknutí na tuto zprávu se aplikace RB klíč automaticky spustí a zobrazí se všechny podrobnosti o podepisované transakci. Transakce můžete podepisovat, i když vaše mobilní zařízení je momentálně bez připojení k internetu.

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

RB klíč4 screens
ČSOB Smart4 screens

Verdict

The call

The clearest difference is monetization model: RB klíč at free against ČSOB Smart's free with in-app purchases. RB klíč also leads on review sentiment (54% vs 37%). ČSOB Smart's advantage is rating (4.8 vs 4.5) and update cadence (monthly vs every 3 months). 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 4.5. That said, the two scores are not equally well evidenced: ČSOB Smart has 756 ratings behind it against 91, so its average is the more settled of the two. Written reviews complicate that: 54% of RB klíč'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

RB klíč ships an update every 3 months, ČSOB Smart monthly. The most recent releases landed on October 23, 2026 and October 24, 2026 respectively.

Scorecard5 real differences · 5 level
RB klíč versus ČSOB Smart: the parameters behind the verdict, then further details
ParameterRB klíčČSOB Smart
PriceFreeFree
Rating4.5 (91 ratings)4.8 (756 ratings) — better
Positive reviews54.2% of reviews — better36.9% of reviews
Number of ratings91756 — better
Update frequencyEvery 3 monthsMonthly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree — betterFree with in-app purchases
DevicesiPhone, iPodiPhone, iPad
Requires iOS15.0 — better16.4
Further details — not scored
Size49 MB300 MB
Age rating4+4+
DeveloperRaiffeisenbank, a.s.Československá obchodní banka, a.s.

Customer experience

RB klíč

All ratings91 ratings
Positive86.8%
Neutral2.2%
Negative11.0%
Written reviews83 reviews
Positive54.2%
Neutral3.6%
Negative42.2%

ČSOB Smart

All ratings748 ratings
Positive95.2%
Neutral1.1%
Negative3.7%
Written reviews122 reviews
Positive36.9%
Neutral7.4%
Negative55.7%

Bugs and requests

RB klíč

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

RB klíč

No in-app purchases

None

ČSOB Smart

No in-app purchases

Questions

Is RB klíč free?
RB klíč 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, RB klíč or ČSOB Smart?
ČSOB Smart is rated higher. RB klíč averages 4.5 out of 5 from 91 ratings, while ČSOB Smart averages 4.8 from 756 ratings.
Do RB klíč or ČSOB Smart have ads?
Neither RB klíč nor ČSOB Smart shows ads.
Which is updated more often, RB klíč or ČSOB Smart?
RB klíč ships an update every 3 months, and ČSOB Smart monthly. Most recently, RB klíč was updated on October 23, 2026 and ČSOB Smart on October 24, 2026.

Other comparisons