# mBank SK vs CSOB SmartToken

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 (every 2 weeks 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.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

CSOB SmartToken holds the better App Store score, 4.8 against 4.6. Both are backed by a comparable volume of ratings — 151 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.

mBank SK ships an update every 2 weeks, CSOB SmartToken every 6 weeks. The most recent releases landed on September 26, 2026 and September 18, 2026 respectively.

## The numbers

| Metric | mBank SK | CSOB SmartToken |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.6 (151 ratings)](https://appshunter.io/ios/app/mbank-sk/id468056142/reviews) | **[4.8 (119 ratings)](https://appshunter.io/ios/app/csob-smarttoken/id1477450487/reviews)** |
| Number of ratings | **151** | 119 |
| Positive reviews | **40.7% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 2 weeks** | Every 6 weeks |
| Monetization | Free | Free |
| Size | 173 MB | 44 MB |
| Requires iOS | 18.0 | **14.0** |
| Devices | iPhone, iPad | iPhone, iPod |
| Age rating | 4+ | 9+ |
| Developer | [mBank S.A.](https://appshunter.io/developer/678096910) | [Ceskoslovenska obchodna banka, a.s.](https://appshunter.io/developer/456927882) |

## What reviewers say

### mBank SK

[App page](https://appshunter.io/ios/app/mbank-sk/id468056142)

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:** Apple Wallet, Vision Pro support

**In-app purchases:** none


### CSOB SmartToken

[App page](https://appshunter.io/ios/app/csob-smarttoken/id1477450487)

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

**In-app purchases:** none


## Frequently asked 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 151 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 every 2 weeks, and CSOB SmartToken every 6 weeks. Most recently, mBank SK was updated on September 26, 2026 and CSOB SmartToken on September 18, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*