# Tatra banka vs CSOB SmartToken

Tatra banka and CSOB SmartToken both sit at 4.8 stars, but that hides the real split: 52% of Tatra banka's written reviews are positive against 0% of CSOB SmartToken's. CSOB SmartToken's advantage is monetization model (free vs free with in-app purchases) and iOS requirement (14.0 vs 16.0). On price, rating, ratings volume and update cadence there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

On the App Store both sit at effectively the same score — 4.8 for Tatra banka against 4.8 for CSOB SmartToken. Both are backed by a comparable volume of ratings — 277 and 119 respectively. Written reviews are what separate them: 52% of Tatra banka's written reviews are positive against 0% of CSOB SmartToken's.

Tatra banka ships an update monthly, CSOB SmartToken every 6 weeks. The most recent releases landed on September 23, 2026 and September 18, 2026 respectively.

## The numbers

| Metric | Tatra banka | CSOB SmartToken |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (277 ratings)](https://appshunter.io/ios/app/tatra-banka/id397756796/reviews)** | [4.8 (119 ratings)](https://appshunter.io/ios/app/csob-smarttoken/id1477450487/reviews) |
| Number of ratings | **277** | 119 |
| Positive reviews | **52.1% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Monthly** | Every 6 weeks |
| Monetization | Free with in-app purchases | **Free** |
| Size | 324 MB | 44 MB |
| Requires iOS | 16.0 | **14.0** |
| Devices | **iPhone, iPad, Apple Watch** | iPhone, iPod |
| Age rating | 12+ | 9+ |
| Developer | [Tatra banka, a.s.](https://appshunter.io/developer/397756799) | [Ceskoslovenska obchodna banka, a.s.](https://appshunter.io/developer/456927882) |

## What reviewers say

### Tatra banka

[App page](https://appshunter.io/ios/app/tatra-banka/id397756796)

Manage your finances entirely online, from opening accounts and taking out loans to tracking expenses and making payments. Access your banking information and perform transactions anytime, anywhere, with features like mobile ATM withdrawals and smart watch integration.

**Highlights:** Online account and loan opening, Mobile ATM cash withdrawal, Account and loan overview, Payment card management, Expense prediction and categorization, Mobile payments, Chatbot customer support

**Features:** macOS Compatibility, Apple Watch app, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use and clear interface
- 🚀 Fast and reliable performance
- 💡 Innovative features like QR code scanning
- 😊 Great customer support
- 🌍 Works well abroad

**What reviewers complain about**

- 🐛 Search history limited to 3 months
- 🐛 Inconsistent Dynamic Type support
- 🐛 Unreadable with black background
- 🐛 App resets after update
- 🐛 ATM withdrawal hidden

**Reported bugs**

- Application only works with black background
- App resets after update
- Spending report broken after last update
- Connection validation tool issues
- App crashes on iPhone 4s after update

**Requested features**

- Support for Dynamic Type
- More language options
- Feature to favorite contacts
- Ability to load QR code from photo album
- Face ID/Touch ID login


### CSOB SmartToken

[App page](https://appshunter.io/ios/app/csob-smarttoken/id1477450487)

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.

**Highlights:** Electronic transaction signing, Digital banking login, Biometric activation, Cross-device activation transfer, Optional permission grants, Offline functionality after activation

**In-app purchases:** none


## Frequently asked questions

### Is Tatra banka free?

Tatra banka is free to download, with no in-app purchases.

### Is CSOB SmartToken free?

CSOB SmartToken is free to download, with no in-app purchases.

### Which has better reviews, Tatra banka or CSOB SmartToken?

Tatra banka is rated higher. Tatra banka averages 4.8 out of 5 from 277 ratings, while CSOB SmartToken averages 4.8 from 119 ratings.

### Do Tatra banka or CSOB SmartToken have ads?

Neither Tatra banka nor CSOB SmartToken shows ads.

### Which is updated more often, Tatra banka or CSOB SmartToken?

Tatra banka ships an update monthly, and CSOB SmartToken every 6 weeks. Most recently, Tatra banka was updated on September 23, 2026 and CSOB SmartToken on September 18, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*