Comparison

ČSOB Smart vs CREDITAS One

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

ČSOB Smart

Manage your entire banking and insurance needs from your mobile device. Open accounts, make payments, control cards, and handle insurance claims seamlessly. Offers robust security features and personalized customization options.

Highlights
  • Open new accounts
  • Scan and pay invoices
  • Manage accounts and loans
  • Control and lock cards
  • Report insurance claims
  • Customize app appearance
Features
Read full description

With ČSOB Smart you have the whole bank and insurance company in your mobile. You are not a client yet? It is not a problem, you can become one right in the app – opening a current account takes only few minutes. Why it is great to have ČSOB Smart: 1. Your money is safe, it is protected not only by your bank identity, but also by Face ID or Touch ID. 2. You always know how much money you have, both in your current and savings account, and even on investments account. 3. It makes payments easy, even invoice payment, thanks to the possibility to scan it from a QR code. 4. You have a perfect control of accounts, mortgages, loans, insurance and other ČSOB products. 5. You can change your card limit, display forgotten PIN code, or temporarily lock the card, and it all takes no time. 6. It allows you to easily arrange a loan, savings, investments, travel insurance and other products. 7. Here you may manage your insurance contracts, report an insurance event and monitor its handling progress. You can also find here your insurance documents, such as your Green Card. 8. You can customize it according to your needs, adjust the order of the products or set the dark mode of an app. And that's not all! You can explore more features after downloading it.

About

CREDITAS One

Features
Read full description

Nová aplikace CREDITAS One spojuje do jednoho moderního a bezpečného mobilního bankovnictví vše, co chcete. CREDITAS One je nová mobilní aplikace, která spojuje všechny vaše oblíbené bankovní služby do jednoho moderního a bezpečného prostředí. Přinášíme rychlou, přehlednou a spolehlivou aplikaci dostupnou 24/7. Co v aplikaci najdete? •  Přehled všech produktů na jednom místě Sledujte a spravujte své produkty, včetně disponentských, přehledně v jedné aplikaci. •  Okamžité upozornění na pohyby na účtu a kartách Získejte přehled o všech transakcích díky notifikacím v reálném čase. •  Rychlé platby a platby přes QR kód Plaťte pohodlně – podporujeme okamžité platby i platby pomocí QR kódu. V aplikaci zadáte také trvalé příkazy, inkasa, SIPO a SEPA platby. •  Jednoduchá správa karet Mějte karty pod kontrolou: nastavujte limity, požádejte si o novou nebo zablokujte stávající kartu. •  Možnosti spoření Založte si spořicí účet nebo termínovaný vklad a zhodnocujte své peníze přímo z aplikace. •  Zakládání nových produktů online Nový účet nebo jiný produkt založíte snadno na pár kliknutí. •  Výpisy a šablony pohromadě Vše potřebné máte vždy po ruce – bezpečně uložené a kdykoliv dostupné. Kontakt s bankou •  Z aplikace můžete kdykoli jednoduše poslat zprávu bance. Bezpečnost je pro nás prioritou Pro přihlášení do aplikace i potvrzení jakékoliv akce je potřeba zadat MPIN nebo použít biometrické ověření (otisk prstem, odemykání obličejem). V případě potřeby lze aplikaci deaktivovat přes internetové bankovnictví. Objevte všechny funkce a stáhněte si CREDITAS One.

Screenshots

ČSOB Smart4 screens
CREDITAS One4 screens

Verdict

The call

The clearest difference is update cadence: CREDITAS One at every 9 days against ČSOB Smart's monthly. On price, ads, in-app purchases and device support 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.

UpkeepUpdate frequency

ČSOB Smart ships an update monthly, CREDITAS One every 9 days. Both last shipped on November 12, 2026.

Scorecard1 real difference · 9 level
ČSOB Smart versus CREDITAS One: the parameters behind the verdict, then further details
ParameterČSOB SmartCREDITAS One
PriceFreeFree
Rating4.8 (756 ratings) — better—
Positive reviews36.9% of reviews—
Number of ratings756 — better—
Update frequencyMonthlyEvery 9 days — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPadiPhone, iPod
Requires iOS16.415.1 — better
Further details — not scored
Size304 MB85 MB
Age rating4+4+
DeveloperČeskoslovenská obchodní banka, a.s.Banka CREDITAS a.s.

Bugs and requests

ČSOB Smart

Reported bugs

3 issues
  • Disappearing account balances and interest payments
  • Payments not processed immediately
  • Repeated login failures

Requested features

4 requests
  • Add support for older iOS versions
  • Improve transaction history and search
  • Introduce more language options
  • Provide iPad-optimized layout

CREDITAS One

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

ČSOB Smart

No in-app purchases

None

CREDITAS One

No in-app purchases

Questions

Is ČSOB Smart free?
ČSOB Smart is free to download, with no in-app purchases.
Is CREDITAS One free?
CREDITAS One is free to download, with no in-app purchases.
Do ČSOB Smart or CREDITAS One have ads?
Neither ČSOB Smart nor CREDITAS One shows ads.
Which is updated more often, ČSOB Smart or CREDITAS One?
ČSOB Smart ships an update monthly, and CREDITAS One every 9 days. Most recently, ČSOB Smart was updated on November 12, 2026 and CREDITAS One on November 12, 2026.

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