Comparison

ČSOB Smart klíč vs Twisto

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

Head to head
About

ČSOB Smart klíč

Securely log in and confirm transactions for online banking and e-commerce. This app offers biometric authentication like Face ID or fingerprint, eliminating the need for SMS codes. It also provides offline transaction confirmation and a branch/ATM locator.

Highlights
  • Secure login and payment confirmation
  • Biometric authentication (Face ID, fingerprint)
  • Offline transaction confirmation
  • Remote verification for calls
  • Branch and ATM locator
  • Supports mobile phones and tablets
Features
Read full description

The ČSOB Smart Key will make it easier for you to log in and confirm payments in internet banking, as well as card payments in e-shops, or remote verification when calling the Infoline or a bank branch. You don't have to wait for a confirmation SMS and then rewrite the code from it. With the Smart Key, notifications will pop up immediately and you will confirm the request with a Face ID, fingerprint, or numerical PIN. Why to use ČSOB Smart Key application: • Conveniently log in and confirm the payment in internet banking • Easily confirm card payments on the Internet • The app can verify you remotely when calling the Infoline or bank branch • You can use a Face ID or fingerprint instead of a numerical PIN • Authentication complies with bank-grade security standards • Being offline is not a problem: app works also offline for confirming transactions in internet banking • A map of branches and ATMs is a part of the app • You can install it on both your mobile phones and tablets After downloading, simply activate the application in internet banking. For more information visit page https://www.csob.cz/smartkey

About

Twisto

This payment app allows for quick, safe, and convenient online and in-store transactions. It offers easy registration, helps you control your spending with summaries, and provides secure payments with excellent exchange rates for international use.

Highlights
  • Quick online and in-store payments
  • Easy registration process
  • Spending summary and control
  • Secure payment institution
  • Competitive foreign exchange rates
Features
Read full description

Twisto is a modern payment application that makes your life easier. Use it to make payments online or in stores. It’s quick, safe, and convenient. *Registration is a breeze Open a Twisto account and take advantage of all that Twisto offers. Download the app and finish your registration in just a couple of minutes. *Spending under control See a quick summary of all of your purchases in one place. It even shows you the total amount you’ve spent as well as how much you still have available on your account. We also send you a daily spending summary along after each purchase so you can always stay on top of your finances. *A secure way to pay Twisto operates as a licensed payment institution with a track record going back several years. Your Twisto account won’t be connected to your personal banking account in any way. *The best exchange rates Take advantage of foreign exchange rates that you just can’t get anywhere else. So whether you’re going on holiday, or just surfing the web from your living room, Twisto makes all of your adventures a little sweeter.

Screenshots

ČSOB Smart klíč4 screens
Twisto4 screens

Verdict

The call

The clearest difference is rating: Twisto at 5.0 against ČSOB Smart klíč's 4.3. Twisto also leads on update cadence (every 4 days vs every 6 weeks). ČSOB Smart klíč's advantage is ratings volume (31 vs 5) and device support (4 vs 2). On price, review sentiment, ads and in-app purchases 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

Twisto holds the better App Store score, 5.0 against 4.3. That said, the two scores are not equally well evidenced: ČSOB Smart klíč has 31 ratings behind it against 5, so its average is the more settled of the two. Written reviews point the same way: 33% of ČSOB Smart klíč's written reviews are positive against 39% of Twisto's.

UpkeepUpdate frequency

ČSOB Smart klíč ships an update every 6 weeks, Twisto every 4 days. The most recent releases landed on November 5, 2026 and November 2, 2026 respectively.

Scorecard5 real differences · 5 level
ČSOB Smart klíč versus Twisto: the parameters behind the verdict, then further details
ParameterČSOB Smart klíčTwisto
PriceFreeFree
Rating4.3 (31 ratings)5.0 (5 ratings) — better
Positive reviews33.3% of reviews38.7% of reviews — better
Number of ratings31 — better5
Update frequencyEvery 6 weeksEvery 4 days — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod, Apple Watch — betteriPhone, iPad
Requires iOS15.0 — better17.0
Further details — not scored
Size113 MB154 MB
Age rating4+4+
DeveloperČeskoslovenská obchodní banka, a.s.Twisto.cz

Customer experience

ČSOB Smart klíč

All ratings32 ratings
Positive84.4%
Neutral0.0%
Negative15.6%
Written reviews12 reviews
Positive33.3%
Neutral0.0%
Negative66.7%

Twisto

All ratings5 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews106 reviews
Positive38.7%
Neutral5.7%
Negative55.7%

In-app purchases

None

ČSOB Smart klíč

No in-app purchases

None

Twisto

No in-app purchases

Questions

Is ČSOB Smart klíč free?
ČSOB Smart klíč is free to download, with no in-app purchases.
Is Twisto free?
Twisto is free to download, with no in-app purchases.
Which has better reviews, ČSOB Smart klíč or Twisto?
Twisto is rated higher. ČSOB Smart klíč averages 4.3 out of 5 from 31 ratings, while Twisto averages 5.0 from 5 ratings.
Do ČSOB Smart klíč or Twisto have ads?
Neither ČSOB Smart klíč nor Twisto shows ads.
Which is updated more often, ČSOB Smart klíč or Twisto?
ČSOB Smart klíč ships an update every 6 weeks, and Twisto every 4 days. Most recently, ČSOB Smart klíč was updated on November 5, 2026 and Twisto on November 2, 2026.

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