Comparison

CSOB SmartToken vs FiLiP

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

FiLiP

Manage your financial life with this app, offering insights into assets, long-term wealth, and investments. Securely connect with your financial advisor, sign loan and insurance offers online, and share sensitive documents through a protected chat.

Highlights
  • Asset and investment tracking
  • Loan and insurance offers
  • Online digital signature
  • Secure chat with financial advisor
  • PIN and biometric login
  • Document sharing
Features
Read full description

Klientsky portál FiLiP vám pomôže zorientovať sa v zložitom svete financií. V jednoduchom užívateľskom prostredí získate informácie o svojich aktívach, dlhodobom majetku a investíciach. Na jednom mieste môžete získať ponuky úverov, poistenia, investícií, ktoré môžete podpísať online vďaka pokročilému digitálnemu podpisu. Kedykoľvek sa cez zabezpečený chat môžete spojiť so svojim finančným sprostredkovateľom Swiss Life Select a zdieľať mu citlivé informácie či dokumenty. FiLiP je zabezpečená aplikácia s prihlasovaním pomocou PIN a biometrie.

Screenshots

CSOB SmartToken4 screens
FiLiP4 screens

Verdict

The call

The clearest difference is review sentiment: FiLiP at 25% against CSOB SmartToken's 0%. FiLiP also leads on rating (5.0 vs 4.8). CSOB SmartToken's advantage is ratings volume (123 vs 1). On price, update cadence, ads and in-app purchases 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

FiLiP holds the better App Store score, 5.0 against 4.8. That said, the two scores are not equally well evidenced: CSOB SmartToken has 123 ratings behind it against 1, so its average is the more settled of the two. Written reviews point the same way: 0% of CSOB SmartToken's written reviews are positive against 25% of FiLiP's.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly every 2 months. The most recent releases landed on October 14, 2026 and October 9, 2026 respectively.

Scorecard3 real differences · 7 level
CSOB SmartToken versus FiLiP: the parameters behind the verdict, then further details
ParameterCSOB SmartTokenFiLiP
PriceFreeFree
Rating4.8 (123 ratings)5.0 (1 ratings) — better
Positive reviews0.0% of reviews25.0% of reviews — better
Number of ratings123 — better1
Update frequencyEvery 2 monthsEvery 2 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS14.0 — better15.0
Further details — not scored
Size46 MB154 MB
Age rating9+17+
DeveloperČeskoslovenská obchodná bankaSwiss Life Select Slovensko

Customer experience

CSOB SmartToken

All ratings123 ratings
Positive95.1%
Neutral1.6%
Negative3.3%
Written reviews2 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

FiLiP

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews8 reviews
Positive25.0%
Neutral0.0%
Negative75.0%

In-app purchases

None

CSOB SmartToken

No in-app purchases

None

FiLiP

No in-app purchases

Questions

Is CSOB SmartToken free?
CSOB SmartToken is free to download, with no in-app purchases.
Is FiLiP free?
FiLiP is free to download, with no in-app purchases.
Which has better reviews, CSOB SmartToken or FiLiP?
FiLiP is rated higher. CSOB SmartToken averages 4.8 out of 5 from 123 ratings, while FiLiP averages 5.0 from 1 ratings.
Do CSOB SmartToken or FiLiP have ads?
Neither CSOB SmartToken nor FiLiP shows ads.
Which is updated more often, CSOB SmartToken or FiLiP?
CSOB SmartToken ships an update every 2 months, and FiLiP every 2 months. Most recently, CSOB SmartToken was updated on October 14, 2026 and FiLiP on October 9, 2026.

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