Comparison

CSOB SmartBanking vs mBank SK

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

mBank SK

Manage your finances securely and conveniently with this mobile banking app. It offers real-time account overviews, mobile payments, easy money transfers, and secure online transaction confirmations. You can also manage your payment cards and apply for loans or savings products directly within the app.

Highlights
  • Real-time account overview with notifications
  • Contactless mobile payments
  • Money transfers via QR code or phone number
  • Secure online payment authorization
  • Payment card management
  • Virtual card issuance
  • Loan, savings, and insurance applications
Features
Read full description

Majte svoje financie neustále pod kontrolou a zároveň v bezpečí. Mobilná aplikácia od mBank spojila najpokročilejšie bezpečnostné systémy s užívateľsky prívetivým prostredím. Správa peňazí ešte nikdy nebola jednoduchšia. Ako vám mobilná aplikácia od mBank zjednoduší život? 1. Prehľad o svojich financiách budete mať stále poruke – vďaka notifikáciám sa okamžite dozviete o každom pohybe na účte. 2. Otvorí vám cestu do sveta mobilných platieb – s bankou v mobile vám na bezkontaktné platby stačí telefón a palec alebo smart hodinky. 3. Posielanie peňazí bude otázkou niekoľkých kliknutí – ľahko a rýchlo pomocou QR kódov alebo pomocou platieb na mobilné číslo. 4. Online platby sa stanú ešte bezpečnejšie – Na ich potvrdenie využijete mobilnú autorizáciu, ktorú chráni váš unikátny PIN-kód alebo biometria. 5. Zjednoduší vám správu platobných kariet – nastavenie limitov, zmena PIN kódu alebo rýchle zablokovanie karty. 6. Sprístupní vám výhody virtuálnych kariet – eKartu si jednoducho objednáte priamo v aplikácii. 7. Umožní vám vybaviť si pôžičku, sporenie, poistenie a ďalšie bankové produkty – predschválenú pôžičku môžete mať na účte do 3 minút. Pokiaľ ide o bezpečnosť, sme nekompromisní Bezpečnosť vašich financií je pre nás prioritou. Preto mobilnú aplikáciu od mBank chránia tie najpokročilejšie funkcie. - Prihlásenie a každý úkon potvrdzujete vami zvoleným unikátnym PIN kódom alebo pomocou odtlačku prsta, prípadne skenu tváre. - Pri krádeži telefónu aplikáciu odpojíte prostredníctvom internet bankingu. - Vďaka pokročilým šifrovacím protokolom nikto nezneužije vaše heslá, PIN kódy ani ďalšie osobné údaje. Ešte nemáte mKonto? Vyhnite sa návštevám pobočiek. Bankový účet od mBank si pohodlne založíte odkiaľkoľvek. Stiahnite si mobilnú aplikáciu mBank a dostaňte svoje financie pod kontrolu ešte dnes.

Screenshots

CSOB SmartBanking4 screens
mBank SK4 screens

Verdict

The call

The clearest difference is monetization model: mBank SK at free against CSOB SmartBanking's free with in-app purchases. mBank SK also leads on update cadence (every 2 weeks vs every 6 weeks). CSOB SmartBanking's advantage is review sentiment (60% vs 41%) and rating (4.8 vs 4.6). On price, ratings volume, ads and in-app purchases 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

CSOB SmartBanking holds the better App Store score, 4.8 against 4.6. Both are backed by a comparable volume of ratings — 409 and 151 respectively. Written reviews point the same way: 60% of CSOB SmartBanking's written reviews are positive against 41% of mBank SK's.

UpkeepUpdate frequency

CSOB SmartBanking ships an update every 6 weeks, mBank SK every 2 weeks. The most recent releases landed on October 14, 2026 and October 16, 2026 respectively.

Scorecard5 real differences · 5 level
CSOB SmartBanking versus mBank SK: the parameters behind the verdict, then further details
ParameterCSOB SmartBankingmBank SK
PriceFreeFree
Rating4.8 (409 ratings) — better4.6 (151 ratings)
Positive reviews60.0% of reviews — better40.7% of reviews
Number of ratings409 — better151
Update frequencyEvery 6 weeksEvery 2 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPadiPhone, iPad
Requires iOS16.0 — better18.0
Further details — not scored
Size181 MB173 MB
Age rating4+4+
DeveloperČeskoslovenská obchodná bankamBank S.A.

Customer experience

CSOB SmartBanking

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

mBank SK

All ratings151 ratings
Positive89.4%
Neutral2.6%
Negative7.9%
Written reviews27 reviews
Positive40.7%
Neutral14.8%
Negative44.4%

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

mBank SK

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

CSOB SmartBanking

No in-app purchases

None

mBank SK

No in-app purchases

Questions

Is CSOB SmartBanking free?
CSOB SmartBanking is free to download, with no in-app purchases.
Is mBank SK free?
mBank SK is free to download, with no in-app purchases.
Which has better reviews, CSOB SmartBanking or mBank SK?
CSOB SmartBanking is rated higher. CSOB SmartBanking averages 4.8 out of 5 from 409 ratings, while mBank SK averages 4.6 from 151 ratings.
Do CSOB SmartBanking or mBank SK have ads?
Neither CSOB SmartBanking nor mBank SK shows ads.
Which is updated more often, CSOB SmartBanking or mBank SK?
CSOB SmartBanking ships an update every 6 weeks, and mBank SK every 2 weeks. Most recently, CSOB SmartBanking was updated on October 14, 2026 and mBank SK on October 16, 2026.

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