CSOB SmartBanking vs Čítačka
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
CSOB SmartBanking
Manage your bank accounts securely and conveniently. Access public banking information without logging in. Supports multiple languages for a personalized experience.
- Secure login with PIN
- Account management
- Public banking information access
- Multi-language support
- App deactivation and parameter changes
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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
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.
- Secure code generation for login
- Transaction authorization
- Facial biometric activation
- Fingerprint login option
- Offline usage after activation
- Internet banking integration
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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
Verdict
The clearest difference is ads: Čítačka at none against CSOB SmartBanking's shown. Čítačka also leads on monetization model (free vs free with in-app purchases). CSOB SmartBanking's advantage is update cadence (every 6 weeks vs every 3 months) and ratings volume (399 vs 60). On price, rating, in-app purchases and device support 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
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 399 ratings behind it against 60, 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.
CSOB SmartBanking ships an update every 6 weeks, Čítačka every 3 months. The most recent releases landed on August 23, 2026 and September 17, 2026 respectively.
| Parameter | CSOB SmartBanking | Čítačka |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (399 ratings) | 4.9 (60 ratings) — better |
| Positive reviews | 60.0% of reviews — better | 50.0% of reviews |
| Number of ratings | 399 — better | 60 |
| Update frequency | Every 6 weeks — better | Every 3 months |
| Ads | Yes | No — better |
| In-app purchases | No | No |
| Monetization | Free with in-app purchases | Free — better |
| Devices | iPhone, iPad | iPhone, iPad, iPod — better |
| Requires iOS | 16.0 | 15.0 — better |
| Further details — not scored | ||
| Size | 163 MB | 121 MB |
| Age rating | 4+ | 12+ |
| Developer | Ceskoslovenska obchodna banka, a.s. | Tatra banka, a.s. |
Customer experience
CSOB SmartBanking
Čítačka
In-app purchases
CSOB SmartBanking
No in-app purchases
Čítačka
No in-app purchases







