Comparison

CSOB SmartBanking vs fpoho

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

Head to head
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

About

fpoho

Features
Read full description

Aplikácia fpoho Appka Moderná aplikácia na správu elektronických zamestnaneckých benefitov od slovenskej spoločnosti DOXX - Stravné lístky. • Aplikácia je určená pre držiteľov fyzickej Karty fpoho a je bezplatná • Slúži na vyhľadávanie akceptačných prevádzok a kontrolu zostatkov a platnosti elektronických benefitov. • Minimálna verzia iOS pre beh aplikácie je 17.4. Ako začať používať aplikáciu fpoho Appka 1. Stiahnite si aplikáciu fpoho Appka 2. V online účte držiteľa karty https://fpoho.sk/#drzitel-karty je k dispozícii jedinečný aktivačný kód pre aplikáciu. 3. Zadajte aktivačný kód do otvorenej mobilnej aplikácie. 4. Aktiváciu potvrďte PIN kódom ku karte. 5. Teraz si môžete kedykoľvek skontrolovať zostatky na Karte fpoho Výhody aplikácie fpoho Appka • Pohodlné a rýchle používanie všetkých elektronických benefitov od fpoho. • Vyhľadávanie a filtrovanie akceptačných miest, vrátane lokalizácie podľa aktuálnej polohy. • Možnosť zablokovania Karty fpoho v prípade jej straty, krádeže. • Jednu Kartu fpoho je možné aktivovať aj do viacerých mobilov s aplikáciou. • Kompletná história transakcií pre všetky elektronické produkty • Podpora widgetov • Novinky a dôležité informácie v správach. Každý mesiac pribúdajú reštaurácie, prevádzky, obchody a ubytovacie zariadenia, kde je možné zaplatiť napríklad za obedy alebo za rekreáciu. V prípade, že potrebujete pomoc, kontaktujte nás v pracovných dňoch od 7:30 do 16:00 • telefonicky na čísle: 041/500 52 78 • emailom: infoservis@fpoho.sk

Screenshots

fpoho4 screens

Verdict

The call

CSOB SmartBanking and fpoho are too close to call on the numbers: across 6 compared parameters — price, update cadence, ads and in-app purchases 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.

UpkeepUpdate frequency

CSOB SmartBanking ships an update every 6 weeks, fpoho monthly. The most recent releases landed on August 23, 2026 and September 17, 2026 respectively.

ScorecardNo meaningful differences
CSOB SmartBanking versus fpoho: the parameters behind the verdict, then further details
ParameterCSOB SmartBankingfpoho
PriceFreeFree
Rating4.8 (399 ratings) — better—
Positive reviews60.0% of reviews—
Number of ratings399 — better—
Update frequencyEvery 6 weeksMonthly — better
AdsYesYes
In-app purchasesNoNo
MonetizationFree with in-app purchases—
DevicesiPhone, iPadiPhone, iPod
Requires iOS16.0 — better17.4
Further details — not scored
Size163 MB53 MB
Age rating4+4+
DeveloperCeskoslovenska obchodna banka, a.s.DOXX- Stravne listky, spol. s r.o.

In-app purchases

None

CSOB SmartBanking

No in-app purchases

None

fpoho

No in-app purchases

Questions

Is CSOB SmartBanking free?
CSOB SmartBanking is free to download, with no in-app purchases.
Is fpoho free?
fpoho is free to download, with no in-app purchases.
Do CSOB SmartBanking or fpoho have ads?
Both CSOB SmartBanking and fpoho show ads.
Which is updated more often, CSOB SmartBanking or fpoho?
CSOB SmartBanking ships an update every 6 weeks, and fpoho monthly. Most recently, CSOB SmartBanking was updated on August 23, 2026 and fpoho on September 17, 2026.

Other comparisons