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

Securely log in and authorize transactions for digital banking services. Confirm payments, access electronic banking, and authorize online card payments. Works offline after activation, offering multiple secure activation methods.

Highlights
  • Secure login to digital banking
  • Confirm payments and operations
  • Authorize online card payments (3D Secure)
  • Offline functionality
  • Multiple secure activation methods
  • Biometric authentication support
Read full description

At CSOB, we believe that managing your finances should be convenient, modern, and secure at the same time. That is why we bring you the ČSOB SmartToken mobile application, designed for secure login and authorization of operations in the bank’s digital services. With the application, you can easily and securely: • confirm payments and other active operations • log in to electronic banking • authorize online card payments (3D Secure) • activate the ČSOB SmartBanking application After activation, the application also works offline, without an internet connection – depending on the type of operation, you can confirm it directly in the app or by scanning a QR code and entering an authorization code. After installation, the app will guide you through the activation in just a few steps. You can choose from several modern and secure activation methods: • activation using an identity document • identity verification using facial biometrics • transfer of activation from an old device to a new one via QR code • activation via the ČSOB info line For new clients, the process is even simpler – thanks to new technology, the application can process the provided data and complete the activation conveniently, without duplicate identity verification. For security reasons, this application is not supported on unofficially modified operating systems and devices. Biometric authentication is supported only on selected devices and for selected types of transactions. ©2020 CSOB Slovakia

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 22% of CSOB SmartToken's. mBank SK also leads on update cadence (every 3 weeks vs every 2 months). 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 — 154 and 123 respectively. Written reviews complicate that: 41% of mBank SK's written reviews are positive against 22% 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 every 3 weeks, CSOB SmartToken every 2 months. The most recent releases landed on November 6, 2026 and November 3, 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 (154 ratings)4.8 (123 ratings) — better
Positive reviews40.7% of reviews — better22.2% of reviews
Number of ratings154 — better123
Update frequencyEvery 3 weeks — betterEvery 2 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPadiPhone, iPod
Requires iOS18.014.0 — better
Further details — not scored
Size199 MB46 MB
Age rating4+9+
DevelopermBank S.A.Československá obchodná banka

Customer experience

mBank SK

All ratings152 ratings
Positive89.5%
Neutral2.6%
Negative7.9%
Written reviews27 reviews
Positive40.7%
Neutral14.8%
Negative44.4%

CSOB SmartToken

All ratings123 ratings
Positive95.1%
Neutral1.6%
Negative3.3%
Written reviews54 reviews
Positive22.2%
Neutral1.9%
Negative75.9%

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 154 ratings, while CSOB SmartToken averages 4.8 from 123 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 every 3 weeks, and CSOB SmartToken every 2 months. Most recently, mBank SK was updated on November 6, 2026 and CSOB SmartToken on November 3, 2026.

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