Comparison

Tatra banka vs CSOB SmartBanking

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

Head to head
About

Tatra banka

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
Read full description

With Tatra banka app you are the first in Slovakia to: - open a current account, student, self employed or business account completely online, - take a loan online within a few minutes even if you are not yet our client, - manage your finances anywhere, anytime. The bank app is for mobile devices with iOS 16.0 or higher and available also on smart watch. Top functionalities of Tatra banka application: 1. Online current, self employed and business account opening and digital lending* with secure Face biometrics technology 2. Cash withdrawal from Tatra banka ATMs by mobile 3. Overview of accounts and loans - View balances and movements, ability to respond to received payment, optional overdraft report, monthly statement in PDF 4. Payment card management - Set daily limits on a debit or credit card as needed, blocking the card, displaying a PIN code, one-time card number 5. MaFin finance management - prediction of expenses and balance for the selected period, categorization of expenses, setting goals, monitoring assets and liabilities 6. Online opening of Investment savings in Mutual funds 7. Payment order, invoice and IBAN scanner, standing order management and SEPA direct debit 8. Push notifications about account and credit card movements 9. Map of branches and ATMs, exchange rates, contacts 10. Activating VIAMO payments to phone number 11. Customer support via chatbot Adam – in the app Adam will help with changing the contact data, card limits, display the card PIN code, set up b-mail for a credit card 12. Lite version of the application for easier and more intuitive access to account information, cards, savings or loans. The Lite version is an ideal solution for students, young people as well as all users who want to orient themselves faster in the complex world of finance 13. Display of balance and last movements on the smart watches. As a Tatra banka client you have a unique opportunity to use mobile payments via Apple Pay. If you have any questions, ideas or need to solve a specific problem, please contact us: - via e-mail address iphone@tatrabanka.sk or - through contacts on the Tatra banka website www.tatrabanka.sk/en/about-bank/contacts/. *in this process, the app receives a device identifier for the purpose of displaying offers and information about the bank's products in third-party applications on that device. You can turn off this identifier in your phone's settings. For more information, see www.tatrabanka.sk/privacy_policy.

About

CSOB SmartBanking

Manage your bank accounts securely and conveniently. Access public banking information without logging in. Supports multiple languages for a personalized experience.

Highlights
  • Secure login with PIN
  • Account management
  • Public banking information access
  • Multi-language support
  • App deactivation and parameter changes
Features
Read full description

App offers a convenient way of controlling finances and additional services. We are ČSOB and we bring you the ČSOB SmartBanking application, which is the gateway to the smart world. You will find the solutions that we ourselves, as clients, expect from a bank – understandable, safe and comfortable. Our app offers a number of functions for comfortable and secure financial management – ​​from payments, to the possibility of setting up an investment in it in a few clicks or applying for a loan. But you will also find what you would not expect from a bank in the ČSOB SmartBanking app. For example, you can set up insurance through it, buy a ticket for public transport or parking, or save all important information about your car. Yes, we know that this goes beyond the boundaries of banking as we know it. But we want your every day to be smart. Have you become our client or just changed your smartphone and want to activate our ČSOB SmartBanking app? It's easy and you can activate it in a few minutes: 1. Prepare your IPPID and PIN. These are the same as those you use to log in to MojaČSOB internet banking. 2. After entering them into the application, confirm activation via the ČSOB SmartToken app, which you also need. 3. When using the application in the future, only your PIN or biometrics will be sufficient. You can change your PIN at any time in the app or via MojaČSOB internetbanking. 4. You can customize the application and its parameters as you need in the Settings section. Are you interested in our application and are not yet a ČSOB client? Download it and try out its functions in the public section, which is also available without logging in. If you have any questions, this SmartBanking - ČSOB subpage can help you with the answers, and our colleagues are also available at +421259668844 or info@csob.sk. ©2011 ČSOB Slovensko

Screenshots

Tatra banka4 screens
CSOB SmartBanking4 screens

Verdict

The call

Tatra banka and CSOB SmartBanking are too close to call on the numbers: across 10 compared parameters — price, rating, review sentiment and ratings volume among them — neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.

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.

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 4.8 for Tatra banka against 4.8 for CSOB SmartBanking. Both are backed by a comparable volume of ratings — 282 and 409 respectively. Written reviews are what separate them: 52% of Tatra banka's written reviews are positive against 60% of CSOB SmartBanking's.

UpkeepUpdate frequency

Tatra banka ships an update monthly, CSOB SmartBanking every 6 weeks. The most recent releases landed on October 17, 2026 and October 14, 2026 respectively.

ScorecardNo meaningful differences
Tatra banka versus CSOB SmartBanking: the parameters behind the verdict, then further details
ParameterTatra bankaCSOB SmartBanking
PriceFreeFree
Rating4.8 (282 ratings)4.8 (409 ratings)
Positive reviews52.1% of reviews60.0% of reviews — better
Number of ratings282409 — better
Update frequencyMonthly — betterEvery 6 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree with in-app purchases
DevicesiPhone, iPad, Apple Watch — betteriPhone, iPad
Requires iOS16.016.0
Further details — not scored
Size330 MB181 MB
Age rating12+4+
DeveloperTatra banka, a.s.Československá obchodná banka

Customer experience

Tatra banka

All ratings282 ratings
Positive96.5%
Neutral1.4%
Negative2.1%
Written reviews48 reviews
Positive52.1%
Neutral12.5%
Negative35.4%

CSOB SmartBanking

All ratings409 ratings
Positive96.6%
Neutral0.7%
Negative2.7%
Written reviews20 reviews
Positive60.0%
Neutral15.0%
Negative25.0%

User reviews

Tatra banka

From 282 App Store ratings

What we love

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

Room to improve

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

CSOB SmartBanking

From 409 App Store ratings

What we love

  • 👍 Easy to use and understand
  • 🚀 Fast and efficient
  • 🔒 Simple and safe
  • 👍 Easier to navigate than website
  • 👍 More information in English

Room to improve

  • 🤔 Confusing to log on
  • 🤔 App name not intuitive for search
  • 🤔 Not very intuitive to use
  • 🤔 No English language option
  • 🐛 Interface is garbage

Bugs and requests

Tatra banka

Reported bugs

7 issues
  • 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
Show 2 more
  • Incompatible with iOS 5.0
  • Requires physical card reader for login

Requested features

9 requests
  • Support for Dynamic Type
  • More language options
  • Feature to favorite contacts
  • Ability to load QR code from photo album
  • Face ID/Touch ID login
Show 4 more
  • Apple Pay support
  • Native iPad version
  • SMS notifications
  • Improved connection validation tool

CSOB SmartBanking

Reported bugs

5 issues
  • Confusing to log on
  • Entering details multiple times between apps
  • App name not intuitive for search
  • Crashing on iPhone X
  • Smart scanner not always working

Requested features

7 requests
  • Combine banking and token in one app
  • Add CSOB to Apple Pay
  • More language options
  • Internationalized language, at least English
  • Major update with new features
Show 2 more
  • Smart scanner to work reliably
  • Option to send payment to predefined recipient

In-app purchases

None

Tatra banka

No in-app purchases

None

CSOB SmartBanking

No in-app purchases

Questions

Is Tatra banka free?
Tatra banka is free to download, with no in-app purchases.
Is CSOB SmartBanking free?
CSOB SmartBanking is free to download, with no in-app purchases.
Which has better reviews, Tatra banka or CSOB SmartBanking?
Tatra banka and CSOB SmartBanking are both rated 4.8 out of 5 on the App Store, from 282 and 409 ratings respectively.
Do Tatra banka or CSOB SmartBanking have ads?
Neither Tatra banka nor CSOB SmartBanking shows ads.
Which is updated more often, Tatra banka or CSOB SmartBanking?
Tatra banka ships an update monthly, and CSOB SmartBanking every 6 weeks. Most recently, Tatra banka was updated on October 17, 2026 and CSOB SmartBanking on October 14, 2026.

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