CSOB SmartToken vs BillBox by ANA

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

BillBox keeps every invoice, utility bill and warranty in one place, so you stop digging through drawers and e-mail. Take a photo of a bill, upload a PDF or simply forward it to your personal BillBox address. The app reads the supplier, date, amount, IBAN and reference and fills in the form; you check the details next to the picture of the bill and save. The bill stays in BillBox even if you delete the photo from your phone. Paying is quick and typo-free: BillBox creates a payment QR code (EPC/SEPA for European banks, UPN for Slovenia) that you scan with your own banking app. You always see the payee, amount and reference before you pay. Keep shop receipts for warranties and returns: pick the product when you save the receipt and BillBox reminds you before the warranty runs out. What BillBox does: • reads bills from photos, PDFs and e-mail • shows the bill next to the form so you can verify in seconds • EPC and UPN payment QR codes for banking apps • reminders for due dates and expiring warranties • spending by category, month and supplier, PDF report export • several profiles (home, sole trader, second household) • export to CSV, PDF, ZIP and JSON for your accountant • English, German, Croatian, Italian and Slovenian Reading bills is free to try; for regular use choose the Moje plan (private users) or the Več plan (sole traders and small businesses). Manual entry, warranties and QR payment are free without limits. Your data is stored encrypted on servers in the European Union and is never shared with third parties. You can delete your account and all data at any time. BillBox is made by Ana Kolar, Podjetniški projektni center ANAplus d.o.o., Celje (Slovenia). Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/