CSOB SmartToken vs FiLiP
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- Electronic transaction signing
- Digital banking login
- Biometric activation
- Cross-device activation transfer
- Optional permission grants
- Offline functionality after activation
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ČSOB SmartToken is a secure mobile application for ČSOB clients, used for electronic signing and logging into ČSOB digital banking services. Before first use, the app must be activated. App will automatically suggest the most suitable activation method for you — such as facial biometric verification, transferring activation from another device, or verifying your identity through the ČSOB Contact Center. The app may request certain permissions. All permissions are optional, but granting them can make activation and overall usage more convenient. An internet connection is required for activation. After activation, ČSOB SmartToken can work offline, although the best experience is achieved online.
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.
- Asset and investment tracking
- Loan and insurance offers
- Online digital signature
- Secure chat with financial advisor
- PIN and biometric login
- Document sharing
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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
Verdict
The clearest difference is ratings volume: CSOB SmartToken at 119 against FiLiP's 1. FiLiP's advantage is rating (5.0 vs 4.8). On price, review sentiment, update cadence and ads 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
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 119 ratings behind it against 1, so its average is the more settled of the two. Written reviews split almost evenly too, at 0% and 0% positive.
CSOB SmartToken ships an update every 6 weeks, FiLiP every 2 months. The most recent releases landed on September 18, 2026 and August 3, 2026 respectively.
| Parameter | CSOB SmartToken | FiLiP |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (119 ratings) | 5.0 (1 ratings) — better |
| Positive reviews | 0.0% of reviews | 0.0% of reviews |
| Number of ratings | 119 — better | 1 |
| Update frequency | Every 6 weeks — better | Every 2 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 14.0 | 14.0 |
| Further details — not scored | ||
| Size | 44 MB | 159 MB |
| Age rating | 9+ | 17+ |
| Developer | Ceskoslovenska obchodna banka, a.s. | Swiss Life Select Slovensko |
Customer experience
CSOB SmartToken
FiLiP
In-app purchases
CSOB SmartToken
No in-app purchases
FiLiP
No in-app purchases
