Comparison

CSOB SmartToken vs fpoho

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

Head to head
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

About

fpoho

Features
Read full description

Aplikácia fpoho Appka Moderná aplikácia na správu elektronických zamestnaneckých benefitov od slovenskej spoločnosti DOXX - Stravné lístky. • Aplikácia je určená pre držiteľov fyzickej Karty fpoho a je bezplatná • Slúži na vyhľadávanie akceptačných prevádzok a kontrolu zostatkov a platnosti elektronických benefitov. • Minimálna verzia iOS pre beh aplikácie je 17.4. Ako začať používať aplikáciu fpoho Appka 1. Stiahnite si aplikáciu fpoho Appka 2. V online účte držiteľa karty https://fpoho.sk/#drzitel-karty je k dispozícii jedinečný aktivačný kód pre aplikáciu. 3. Zadajte aktivačný kód do otvorenej mobilnej aplikácie. 4. Aktiváciu potvrďte PIN kódom ku karte. 5. Teraz si môžete kedykoľvek skontrolovať zostatky na Karte fpoho Výhody aplikácie fpoho Appka • Pohodlné a rýchle používanie všetkých elektronických benefitov od fpoho. • Vyhľadávanie a filtrovanie akceptačných miest, vrátane lokalizácie podľa aktuálnej polohy. • Možnosť zablokovania Karty fpoho v prípade jej straty, krádeže. • Jednu Kartu fpoho je možné aktivovať aj do viacerých mobilov s aplikáciou. • Kompletná história transakcií pre všetky elektronické produkty • Podpora widgetov • Novinky a dôležité informácie v správach. Každý mesiac pribúdajú reštaurácie, prevádzky, obchody a ubytovacie zariadenia, kde je možné zaplatiť napríklad za obedy alebo za rekreáciu. V prípade, že potrebujete pomoc, kontaktujte nás v pracovných dňoch od 7:30 do 16:00 • telefonicky na čísle: 041/500 52 78 • emailom: infoservis@fpoho.sk

Screenshots

CSOB SmartToken4 screens
fpoho4 screens

Verdict

The call

The clearest difference is ads: CSOB SmartToken at none against fpoho's shown. CSOB SmartToken also leads on iOS requirement (14.0 vs 17.4). On price, update cadence, 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.

UpkeepUpdate frequency

CSOB SmartToken ships an update every 2 months, fpoho monthly. The most recent releases landed on October 14, 2026 and October 4, 2026 respectively.

Scorecard2 real differences · 8 level
CSOB SmartToken versus fpoho: the parameters behind the verdict, then further details
ParameterCSOB SmartTokenfpoho
PriceFreeFree
Rating4.8 (123 ratings) — better—
Positive reviews0.0% of reviews—
Number of ratings123 — better—
Update frequencyEvery 2 monthsMonthly — better
AdsNo — betterYes
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPodiPhone, iPod
Requires iOS14.0 — better17.4
Further details — not scored
Size46 MB53 MB
Age rating9+4+
DeveloperČeskoslovenská obchodná bankaDOXX- Stravne listky, spol. s r.o.

In-app purchases

None

CSOB SmartToken

No in-app purchases

None

fpoho

No in-app purchases

Questions

Is CSOB SmartToken free?
CSOB SmartToken is free to download, with no in-app purchases.
Is fpoho free?
fpoho is free to download, with no in-app purchases.
Do CSOB SmartToken or fpoho have ads?
fpoho shows ads; CSOB SmartToken does not.
Which is updated more often, CSOB SmartToken or fpoho?
CSOB SmartToken ships an update every 2 months, and fpoho monthly. Most recently, CSOB SmartToken was updated on October 14, 2026 and fpoho on October 4, 2026.

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