Comparison

CSOB SmartBanking vs Čítačka

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 finances and access additional services with this banking application. It offers secure and convenient features for payments, investments, loans, insurance, and even public transport tickets. Explore a smart world beyond traditional banking.

Highlights
  • Secure financial management
  • Online payments and transfers
  • Investment setup
  • Loan applications
  • Insurance setup
  • Public transport tickets
  • Car information storage
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

Čítačka

This app generates secure codes for Tatra banka clients to log in, activate, and authorize transactions in electronic banking. It offers secure, card-and-reader equivalent authentication with multiple activation methods and convenient login options.

Highlights
  • Secure code generation for login
  • Transaction authorization
  • Facial biometric activation
  • Fingerprint login option
  • Offline usage after activation
  • Internet banking integration
Features
Read full description

The Reader application is intended for Tatra banka clients who have activated the Internet bankingTB service and serves to generate codes for logging in, activating or authorizing transactions in Tatra banka's electronic channels. The reader is equivalent to the standard Card and Reader authorization and authentication tool, and is equally secure. The reader can be activated - Directly in the application - using facial biometrics. For activation, you need PID - personal identification number, a valid Slovak ID card, an SMS code sent during activation to your profile phone number, and a scan of your face. - In person at the branch - By phone During activation, the Reader prompts the user to set a login password, the expiration time of which depends on its complexity, and to set a fingerprint for more convenient login. The Reader requires an Internet connection for activation and updating. Subsequently, it can also be used offline. Complete information as well as the terms of use of the Reader can be found at www.tatrabanka.sk. The current version of the Reader application is available for devices with the iOS 15 and higher operating system.

Screenshots

CSOB SmartBanking4 screens
Čítačka4 screens

Verdict

The call

The clearest difference is update cadence: CSOB SmartBanking at every 6 weeks against Čítačka's every 3 months. CSOB SmartBanking also leads on ratings volume (413 vs 63) and review sentiment (60% vs 50%). On price, rating, 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

On the App Store both sit at effectively the same score — 4.8 for CSOB SmartBanking against 4.9 for Čítačka. That said, the two scores are not equally well evidenced: CSOB SmartBanking has 413 ratings behind it against 63, so its average is the more settled of the two. Written reviews are what separate them: 60% of CSOB SmartBanking's written reviews are positive against 50% of Čítačka's.

UpkeepUpdate frequency

CSOB SmartBanking ships an update every 6 weeks, Čítačka every 3 months. Both last shipped on November 6, 2026.

Scorecard3 real differences · 7 level
CSOB SmartBanking versus Čítačka: the parameters behind the verdict, then further details
ParameterCSOB SmartBankingČítačka
PriceFreeFree
Rating4.8 (413 ratings)4.9 (63 ratings) — better
Positive reviews60.0% of reviews — better50.0% of reviews
Number of ratings413 — better63
Update frequencyEvery 6 weeks — betterEvery 3 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPadiPhone, iPad, iPod — better
Requires iOS16.015.0 — better
Further details — not scored
Size182 MB121 MB
Age rating4+12+
DeveloperČeskoslovenská obchodná bankaTatra banka, a.s.

Customer experience

CSOB SmartBanking

All ratings412 ratings
Positive96.6%
Neutral0.7%
Negative2.7%
Written reviews20 reviews
Positive60.0%
Neutral15.0%
Negative25.0%

Čítačka

All ratings60 ratings
Positive98.3%
Neutral0.0%
Negative1.7%
Written reviews4 reviews
Positive50.0%
Neutral0.0%
Negative50.0%

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

Čítačka

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

CSOB SmartBanking

No in-app purchases

None

Čítačka

No in-app purchases

Questions

Is CSOB SmartBanking free?
CSOB SmartBanking is free to download, with no in-app purchases.
Is Čítačka free?
Čítačka is free to download, with no in-app purchases.
Which has better reviews, CSOB SmartBanking or Čítačka?
Čítačka is rated higher. CSOB SmartBanking averages 4.8 out of 5 from 413 ratings, while Čítačka averages 4.9 from 63 ratings.
Do CSOB SmartBanking or Čítačka have ads?
Neither CSOB SmartBanking nor Čítačka shows ads.
Which is updated more often, CSOB SmartBanking or Čítačka?
CSOB SmartBanking ships an update every 6 weeks, and Čítačka every 3 months. Most recently, CSOB SmartBanking was updated on November 6, 2026 and Čítačka on November 6, 2026.

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