# CSOB SmartToken vs fpoho

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.

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

CSOB SmartToken ships an update every 6 weeks, fpoho monthly. The most recent releases landed on September 18, 2026 and September 17, 2026 respectively.

## The numbers

| Metric | CSOB SmartToken | fpoho |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (119 ratings)](https://appshunter.io/ios/app/csob-smarttoken/id1477450487/reviews)** | — |
| Number of ratings | **119** | — |
| Positive reviews | 0.0% of reviews | — |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | Every 6 weeks | **Monthly** |
| Monetization | Free | — |
| Size | 44 MB | 53 MB |
| Requires iOS | **14.0** | 17.4 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 9+ | 4+ |
| Developer | [Ceskoslovenska obchodna banka, a.s.](https://appshunter.io/developer/456927882) | [DOXX- Stravne listky, spol. s r.o.](https://appshunter.io/developer/1176430254) |

## What reviewers say

### 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


### fpoho

[App page](https://appshunter.io/ios/app/fpoho/id1478884207)

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked 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 6 weeks, and fpoho monthly. Most recently, CSOB SmartToken was updated on September 18, 2026 and fpoho on September 17, 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.*