# Tatra banka VIAMO vs CSOB SmartToken

The clearest difference is rating: CSOB SmartToken at 4.8 against Tatra banka VIAMO's 3.0. CSOB SmartToken also leads on ratings volume (123 vs 2) and update cadence (every 2 months vs every 5 months). Tatra banka VIAMO's advantage is review sentiment (52% vs 22%). On price, ads, in-app purchases and monetization model 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 3.0. That said, the two scores are not equally well evidenced: CSOB SmartToken has 123 ratings behind it against 2, so its average is the more settled of the two. Written reviews complicate that: 52% of Tatra banka VIAMO'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.

Tatra banka VIAMO ships an update every 5 months, CSOB SmartToken every 2 months. The most recent releases landed on October 13, 2026 and October 30, 2026 respectively.

## The numbers

| Metric | Tatra banka VIAMO | CSOB SmartToken |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.0 (2 ratings)](https://appshunter.io/ios/app/tatra-banka-viamo/id644270145/reviews) | **[4.8 (123 ratings)](https://appshunter.io/ios/app/csob-smarttoken/id1477450487/reviews)** |
| Number of ratings | 2 | **123** |
| Positive reviews | **52.2% of reviews** | 22.2% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 5 months | **Every 2 months** |
| Monetization | Free | Free |
| Size | 28 MB | 46 MB |
| Requires iOS | 15.6 | **14.0** |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 12+ | 9+ |
| Developer | [Tatra banka, a.s.](https://appshunter.io/developer/397756799) | [Československá obchodná banka](https://appshunter.io/developer/456927882) |

## What reviewers say

### Tatra banka VIAMO

[App page](https://appshunter.io/ios/app/tatra-banka-viamo/id644270145)

Easily send and receive money using just a phone number. Pay for goods and services at select merchants or request payments from others. Ideal for quick, secure financial transactions without needing bank account details.

**Highlights:** Send money via phone number, Receive money instantly, Pay for goods and services, Request payments, Split bills, Transaction overview

**Features:** macOS Compatibility

**In-app purchases:** none


### CSOB SmartToken

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

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

**In-app purchases:** none


## Frequently asked questions

### Is Tatra banka VIAMO free?

Tatra banka VIAMO 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, Tatra banka VIAMO or CSOB SmartToken?

CSOB SmartToken is rated higher. Tatra banka VIAMO averages 3.0 out of 5 from 2 ratings, while CSOB SmartToken averages 4.8 from 123 ratings.

### Do Tatra banka VIAMO or CSOB SmartToken have ads?

Neither Tatra banka VIAMO nor CSOB SmartToken shows ads.

### Which is updated more often, Tatra banka VIAMO or CSOB SmartToken?

Tatra banka VIAMO ships an update every 5 months, and CSOB SmartToken every 2 months. Most recently, Tatra banka VIAMO was updated on October 13, 2026 and CSOB SmartToken on October 30, 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.*