CSOB SmartBanking vs KtoCoMal

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

One pays. Everyone taps their own. KTO·ČO·MAL splits a Slovak e-kasa receipt between everyone at the table. You pay the whole bill, scan the QR code on the receipt and share a link. Each person taps what they had on an exact copy of the receipt, sees their share and pays you straight from their banking app. Nobody retypes or adds anything up. HOW IT WORKS 1. Pay the whole bill, as usual. 2. Scan the QR code on the receipt. The app loads the receipt straight from the e-kasa system and adds your name and IBAN. 3. Share the link via iMessage, WhatsApp, Slack or e-mail. 4. Everyone marks their items and pays. ALL THEY NEED IS THE LINK The link opens in any browser, with no install, sign-up or password. Only the person who pays needs the app. - Quantities: two of the three colas are yours. - Sharing: a pizza for three is a third each. - Fair discounts: item discounts stay with the item, loyalty discounts are split pro rata, or you keep them. - Tip of 5, 10 or 15 % in one tap. - The page speaks eight languages, for colleagues from abroad too. - The whole receipt can be downloaded as a PDF. THEY PAY THE WAY THAT SUITS THEM - payme: a tap opens their banking app with the payment ready, sent as an instant payment by default. - PAY by square: a QR code that almost every Slovak banking app can read. - EPC QR (SEPA): for colleagues whose bank is abroad. - Copy the IBAN, amount and message in one tap. Amount, recipient and message are filled in. The money goes straight from their account to yours. KTO·ČO·MAL never holds it and never takes a cut. PRIVACY FIRST - No account, sign-up, analytics or ads. - Your name, IBAN and receipt history stay on your iPhone. - The data in the link sits after the # sign, which browsers never send to the server. The server sees neither the receipt nor your account. - Receipts load directly from the e-kasa system of the Slovak Financial Administration. IN THE APP - A history of every receipt you've scanned, searchable by shop, item or amount. - Enter your name and IBAN once. - Choose the page language your colleagues see and whether receipt-wide discounts are shared. GOOD TO KNOW KTO·ČO·MAL is an independent app and is not affiliated with the Slovak Financial Administration. It works with Slovak e-kasa receipts that carry a QR code. A receipt issued offline appears in e-kasa only after a delay. Calculated amounts are an aid: always check the amount and recipient before paying.