CSOB SmartToken vs KtoCoMal

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

One pays. Everyone taps their own. KTO·ČO·MAL splits a Slovak e-kasa receipt between everyone at the table. You pay the whole bill, scan the QR code on the receipt and share a link. Each person taps what they had on an exact copy of the receipt, sees their share and pays you straight from their banking app. Nobody retypes or adds anything up. HOW IT WORKS 1. Pay the whole bill, as usual. 2. Scan the QR code on the receipt. The app loads the receipt straight from the e-kasa system and adds your name and IBAN. 3. Share the link via iMessage, WhatsApp, Slack or e-mail. 4. Everyone marks their items and pays. ALL THEY NEED IS THE LINK The link opens in any browser, with no install, sign-up or password. Only the person who pays needs the app. - Quantities: two of the three colas are yours. - Sharing: a pizza for three is a third each. - Fair discounts: item discounts stay with the item, loyalty discounts are split pro rata, or you keep them. - Tip of 5, 10 or 15 % in one tap. - The page speaks eight languages, for colleagues from abroad too. - The whole receipt can be downloaded as a PDF. THEY PAY THE WAY THAT SUITS THEM - payme: a tap opens their banking app with the payment ready, sent as an instant payment by default. - PAY by square: a QR code that almost every Slovak banking app can read. - EPC QR (SEPA): for colleagues whose bank is abroad. - Copy the IBAN, amount and message in one tap. Amount, recipient and message are filled in. The money goes straight from their account to yours. KTO·ČO·MAL never holds it and never takes a cut. PRIVACY FIRST - No account, sign-up, analytics or ads. - Your name, IBAN and receipt history stay on your iPhone. - The data in the link sits after the # sign, which browsers never send to the server. The server sees neither the receipt nor your account. - Receipts load directly from the e-kasa system of the Slovak Financial Administration. IN THE APP - A history of every receipt you've scanned, searchable by shop, item or amount. - Enter your name and IBAN once. - Choose the page language your colleagues see and whether receipt-wide discounts are shared. GOOD TO KNOW KTO·ČO·MAL is an independent app and is not affiliated with the Slovak Financial Administration. It works with Slovak e-kasa receipts that carry a QR code. A receipt issued offline appears in e-kasa only after a delay. Calculated amounts are an aid: always check the amount and recipient before paying.