CSOB SmartToken vs FiLiP
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
CSOB SmartToken
Securely log in and authorize transactions for digital banking services. Confirm payments, access electronic banking, and authorize online card payments. Works offline after activation, offering multiple secure activation methods.
- Secure login to digital banking
- Confirm payments and operations
- Authorize online card payments (3D Secure)
- Offline functionality
- Multiple secure activation methods
- Biometric authentication support
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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
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 124 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 124 ratings behind it against 1, so its average is the more settled of the two. Written reviews point the same way: 22% of CSOB SmartToken's written reviews are positive against 25% of FiLiP's.
Both ship on a similar rhythm, roughly every 2 months. The most recent releases landed on November 7, 2026 and November 3, 2026 respectively.
| Parameter | CSOB SmartToken | FiLiP |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (124 ratings) | 5.0 (1 ratings) — better |
| Positive reviews | 22.2% of reviews | 25.0% of reviews — better |
| Number of ratings | 124 — better | 1 |
| Update frequency | Every 2 months | 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 — better | 15.0 |
| Further details — not scored | ||
| Size | 46 MB | 154 MB |
| Age rating | 9+ | 17+ |
| Developer | Československá obchodná banka | Swiss Life Select Slovensko |
Customer experience
CSOB SmartToken
FiLiP
In-app purchases
CSOB SmartToken
No in-app purchases
FiLiP
No in-app purchases









