Comparison

CSOB SmartBanking vs ČSOB Smart

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

ČSOB Smart

Manage your entire banking and insurance needs from your mobile device. Open new accounts, track all your finances, make payments, and handle insurance claims and policies with ease. Securely access your accounts and customize your experience.

Highlights
  • Open new accounts
  • Track account balances
  • Scan and pay invoices
  • Manage loans and mortgages
  • Control bank cards
  • Arrange insurance and loans
  • Manage insurance contracts
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.

Screenshots

CSOB SmartBanking4 screens
ČSOB Smart4 screens

Verdict

The call

CSOB SmartBanking and ČSOB Smart both sit at 4.8 stars, but that hides the real split: 60% of CSOB SmartBanking's written reviews are positive against 37% of ČSOB Smart's. On price, rating, ratings volume and update cadence 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.

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 4.8 for CSOB SmartBanking against 4.8 for ČSOB Smart. Both are backed by a comparable volume of ratings — 409 and 748 respectively. Written reviews are what separate them: 60% of CSOB SmartBanking's written reviews are positive against 37% of ČSOB Smart's.

UpkeepUpdate frequency

CSOB SmartBanking ships an update every 6 weeks, ČSOB Smart monthly. The most recent releases landed on October 14, 2026 and October 16, 2026 respectively.

Scorecard1 real difference · 9 level
CSOB SmartBanking versus ČSOB Smart: the parameters behind the verdict, then further details
ParameterCSOB SmartBankingČSOB Smart
PriceFreeFree
Rating4.8 (409 ratings)4.8 (748 ratings)
Positive reviews60.0% of reviews — better36.9% of reviews
Number of ratings409748 — better
Update frequencyEvery 6 weeksMonthly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree with in-app purchases
DevicesiPhone, iPadiPhone, iPad
Requires iOS16.0 — better16.4
Further details — not scored
Size181 MB300 MB
Age rating4+4+
DeveloperČeskoslovenská obchodná bankaČeskoslovenská obchodní banka, a.s.

Customer experience

CSOB SmartBanking

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

ČSOB Smart

All ratings748 ratings
Positive95.2%
Neutral1.1%
Negative3.7%
Written reviews122 reviews
Positive36.9%
Neutral7.4%
Negative55.7%

User reviews

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

ČSOB Smart

From 748 App Store ratings

What we love

  • 👍 Consistent app design
  • 🚀 Reliable and stable
  • 💡 Useful features like Kate assistant

Room to improve

  • 🐛 Frequent crashes and login issues
  • ⏱️ Slow performance and long loading times
  • 🤔 Confusing UI and navigation
  • 🤯 Forced updates and compatibility issues

Bugs and requests

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

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

In-app purchases

None

CSOB SmartBanking

No in-app purchases

None

ČSOB Smart

No in-app purchases

Questions

Is CSOB SmartBanking free?
CSOB SmartBanking is free to download, with no in-app purchases.
Is ČSOB Smart free?
ČSOB Smart is free to download, with no in-app purchases.
Which has better reviews, CSOB SmartBanking or ČSOB Smart?
CSOB SmartBanking and ČSOB Smart are both rated 4.8 out of 5 on the App Store, from 409 and 748 ratings respectively.
Do CSOB SmartBanking or ČSOB Smart have ads?
Neither CSOB SmartBanking nor ČSOB Smart shows ads.
Which is updated more often, CSOB SmartBanking or ČSOB Smart?
CSOB SmartBanking ships an update every 6 weeks, and ČSOB Smart monthly. Most recently, CSOB SmartBanking was updated on October 14, 2026 and ČSOB Smart on October 16, 2026.

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