Comparison

mBank SK vs CSOB SmartToken

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
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.

About

CSOB SmartToken

This secure mobile application allows clients to electronically sign transactions and log into digital banking services. It offers multiple activation methods, including biometric verification and contact center support. Optional permissions enhance convenience, and while an internet connection is needed for activation, it can function offline.

Highlights
  • Electronic transaction signing
  • Digital banking login
  • Biometric activation
  • Cross-device activation transfer
  • Optional permission grants
  • Offline functionality after activation
Read full description

ČSOB SmartToken is a secure mobile application for ČSOB clients, used for electronic signing and logging into ČSOB digital banking services. Before first use, the app must be activated. App will automatically suggest the most suitable activation method for you — such as facial biometric verification, transferring activation from another device, or verifying your identity through the ČSOB Contact Center. The app may request certain permissions. All permissions are optional, but granting them can make activation and overall usage more convenient. An internet connection is required for activation. After activation, ČSOB SmartToken can work offline, although the best experience is achieved online.

Screenshots

mBank SK4 screens
CSOB SmartToken4 screens

Verdict

The call

mBank SK and CSOB SmartToken both sit at 4.6 stars, but that hides the real split: 41% of mBank SK's written reviews are positive against 0% of CSOB SmartToken's. mBank SK also leads on update cadence (fortnightly vs every 6 weeks). CSOB SmartToken's advantage is iOS requirement (14.0 vs 18.0). On price, rating, ratings volume and ads 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 SmartToken holds the better App Store score, 4.8 against 4.6. Both are backed by a comparable volume of ratings — 150 and 119 respectively. Written reviews complicate that: 41% of mBank SK's written reviews are positive against 0% of CSOB SmartToken's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

mBank SK ships an update fortnightly, CSOB SmartToken every 6 weeks. The most recent releases landed on September 21, 2026 and September 18, 2026 respectively.

Scorecard3 real differences · 7 level
mBank SK versus CSOB SmartToken: the parameters behind the verdict, then further details
ParametermBank SKCSOB SmartToken
PriceFreeFree
Rating4.6 (150 ratings)4.8 (119 ratings) — better
Positive reviews40.7% of reviews — better0.0% of reviews
Number of ratings150 — better119
Update frequencyFortnightly — betterEvery 6 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPadiPhone, iPod
Requires iOS18.014.0 — better
Further details — not scored
Size164 MB44 MB
Age rating4+9+
DevelopermBank S.A.Ceskoslovenska obchodna banka, a.s.

Customer experience

mBank SK

All ratings150 ratings
Positive89.3%
Neutral2.7%
Negative8.0%
Written reviews27 reviews
Positive40.7%
Neutral14.8%
Negative44.4%

CSOB SmartToken

All ratings113 ratings
Positive94.7%
Neutral1.8%
Negative3.5%
Written reviews2 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

In-app purchases

None

mBank SK

No in-app purchases

None

CSOB SmartToken

No in-app purchases

Questions

Is mBank SK free?
mBank SK is free to download, with no in-app purchases.
Is CSOB SmartToken free?
CSOB SmartToken is free to download, with no in-app purchases.
Which has better reviews, mBank SK or CSOB SmartToken?
CSOB SmartToken is rated higher. mBank SK averages 4.6 out of 5 from 150 ratings, while CSOB SmartToken averages 4.8 from 119 ratings.
Do mBank SK or CSOB SmartToken have ads?
Neither mBank SK nor CSOB SmartToken shows ads.
Which is updated more often, mBank SK or CSOB SmartToken?
mBank SK ships an update fortnightly, and CSOB SmartToken every 6 weeks. Most recently, mBank SK was updated on September 21, 2026 and CSOB SmartToken on September 18, 2026.

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