# RB klíč vs ČSOB Smart

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.

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 4.5. 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.

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.

## The numbers

| Metric | RB klíč | ČSOB Smart |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.5 (91 ratings)](https://appshunter.io/ios/app/rb-klic/id1476392790/reviews) | **[4.8 (756 ratings)](https://appshunter.io/ios/app/csob-smart/id1528483245/reviews)** |
| Number of ratings | 91 | **756** |
| Positive reviews | **54.2% of reviews** | 36.9% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Monthly** |
| Monetization | **Free** | Free with in-app purchases |
| Size | 49 MB | 300 MB |
| Requires iOS | **15.0** | 16.4 |
| Devices | iPhone, iPod | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Raiffeisenbank, a.s.](https://appshunter.io/developer/538751790) | [Československá obchodní banka, a.s.](https://appshunter.io/developer/479852418) |

## What reviewers say

### RB klíč

[App page](https://appshunter.io/ios/app/rb-klic/id1476392790)

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:** macOS Compatibility

**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 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.

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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.*