# NN Direct vs Raiffeisen SmartToken

NN Direct and Raiffeisen SmartToken both sit at 4.8 stars, but that hides the real split: 75% of NN Direct's written reviews are positive against 10% of Raiffeisen SmartToken's. On price, rating, ratings volume and update cadence there is nothing between them.

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

NN Direct holds the better App Store score, 4.8 against 4.6. Both are backed by a comparable volume of ratings — 155 and 301 respectively. Written reviews point the same way: 75% of NN Direct's written reviews are positive against 10% of Raiffeisen SmartToken's.

NN Direct ships an update every 5 weeks, Raiffeisen SmartToken every 6 weeks. The most recent releases landed on November 1, 2026 and November 2, 2026 respectively.

## The numbers

| Metric | NN Direct | Raiffeisen SmartToken |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (155 ratings)](https://appshunter.io/ios/app/nn-direct/id814443195/reviews)** | [4.6 (301 ratings)](https://appshunter.io/ios/app/raiffeisen-smarttoken/id1317774366/reviews) |
| Number of ratings | 155 | **301** |
| Positive reviews | **75.0% of reviews** | 9.6% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 5 weeks** | Every 6 weeks |
| Monetization | Free | Free |
| Size | 109 MB | 43 MB |
| Requires iOS | **15.1** | 16.0 |
| Devices | **iPhone, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [NN Asigurari de Viata S.A.](https://appshunter.io/developer/814443198) | [Raiffeisen Bank Romania S.A.](https://appshunter.io/developer/470512473) |

## What reviewers say

### NN Direct

[App page](https://appshunter.io/ios/app/nn-direct/id814443195)

Manage your insurance and pension accounts with ease. Pay premiums, make investments, update personal details, and track claims securely. Enjoy a user-friendly experience with convenient login options.

**Highlights:** Pay insurance premiums and pension contributions, Invest in fund units, Update personal and contact information, Track insurance claims status, Secure login with facial recognition or fingerprint, View payment history

**Features:** Vision Pro support

**In-app purchases:** none


### Raiffeisen SmartToken

[App page](https://appshunter.io/ios/app/raiffeisen-smarttoken/id1317774366)

This app provides secure and convenient transaction authentication and ordering directly from your mobile phone. It functions as an eToken, enabling 100% online processes without requiring a physical device. Integration with existing mobile banking apps simplifies activation.

**Highlights:** Secure transaction authentication, Order transactions remotely, eToken functionality, 100% online process, No physical token needed, Integrates with mobile banking

**In-app purchases:** none


## Frequently asked questions

### Is NN Direct free?

NN Direct is free to download, with no in-app purchases.

### Is Raiffeisen SmartToken free?

Raiffeisen SmartToken is free to download, with no in-app purchases.

### Which has better reviews, NN Direct or Raiffeisen SmartToken?

NN Direct is rated higher. NN Direct averages 4.8 out of 5 from 155 ratings, while Raiffeisen SmartToken averages 4.6 from 301 ratings.

### Do NN Direct or Raiffeisen SmartToken have ads?

Neither NN Direct nor Raiffeisen SmartToken shows ads.

### Which is updated more often, NN Direct or Raiffeisen SmartToken?

NN Direct ships an update every 5 weeks, and Raiffeisen SmartToken every 6 weeks. Most recently, NN Direct was updated on November 1, 2026 and Raiffeisen SmartToken on November 2, 2026.

---

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