Comparison

ČSOB Smart klíč vs KB Klíč

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

KB Klíč

Securely log into online banking and authorize payments with this app. It replaces texted codes with in-app confirmation, offering PIN and fingerprint authentication for enhanced security.

Highlights
  • Identity verification
  • Secure online banking login
  • Payment authorization
  • PIN authentication
  • Fingerprint authentication
  • Replaces texted codes
Read full description

The KB Klíč app verifies your identity and safely logs you into MojeBanka online banking and Komerční banka's other online apps. You don't have to enter a texted code and you also authorise payments through the app. You need the following for KB Klíč activation: - KB ID, which you will find in the Electronic Signature Agreement. You can also use your username/email - An activation code that you will receive at a KB branch or when you log into mujprofil.kb.cz otherwise than via KB Klíč The activation guide is available at https://www.kb.cz/en/faq-and-support/how-to-sign-in Set the PIN on the occasion of activation. You can set up your fingerprint if your phone supports them. Komerční banka will never see your fingerprints; they are retained in a secure repository in the phone. If your phone is connected to the internet the request to confirm the activation will be received automatically in your phone. Check and confirm the request. If offline, select 'The device is not connected to the internet' option in your computer. Using the KB Klíč app, scan the pictorial code from the computer's screen. Then confirm the code by the PIN or fingerprint. Finally, type the generated code in your computer. Please note: If you enter an incorrect PIN five times KB Klíč blocks access. You will then activate the apps using an activation code that you will receive in an ATM, at a KB branch or after logging into mujprofil.kb.cz otherwise than via KB Klíč. KB Klíč will not work for you if you have reinstalled software on your phone and your platform (root) is therefore not protected. All of this for the sake of security.

Screenshots

ČSOB Smart klíč4 screens
KB Klíč4 screens

Verdict

The call

The clearest difference is review sentiment: KB Klíč at 83% against ČSOB Smart klíč's 33%. KB Klíč also leads on rating (4.7 vs 4.3) and ratings volume (124 vs 32). ČSOB Smart klíč's advantage is device support (4 vs 2). On price, update cadence, 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

KB Klíč holds the better App Store score, 4.7 against 4.3. Both are backed by a comparable volume of ratings — 32 and 124 respectively. Written reviews point the same way: 33% of ČSOB Smart klíč's written reviews are positive against 83% of KB Klíč's.

UpkeepUpdate frequency

ČSOB Smart klíč ships an update every 6 weeks, KB Klíč every 2 months. The most recent releases landed on August 19, 2026 and July 5, 2026 respectively.

Scorecard4 real differences · 6 level
ČSOB Smart klíč versus KB Klíč: the parameters behind the verdict, then further details
ParameterČSOB Smart klíčKB Klíč
PriceFreeFree
Rating4.3 (32 ratings)4.7 (124 ratings) — better
Positive reviews33.3% of reviews83.3% of reviews — better
Number of ratings32124 — better
Update frequencyEvery 6 weeks — betterEvery 2 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod, Apple Watch — betteriPhone, iPod
Requires iOS15.015.0
Further details — not scored
Size113 MB80 MB
Age rating4+4+
DeveloperČeskoslovenská obchodní banka, a.s.Komercni banka a.s.

Customer experience

ČSOB Smart klíč

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

KB Klíč

All ratings124 ratings
Positive92.7%
Neutral1.6%
Negative5.6%
Written reviews96 reviews
Positive83.3%
Neutral3.1%
Negative13.5%

In-app purchases

None

ČSOB Smart klíč

No in-app purchases

None

KB Klíč

No in-app purchases

Questions

Is ČSOB Smart klíč free?
ČSOB Smart klíč is free to download, with no in-app purchases.
Is KB Klíč free?
KB Klíč is free to download, with no in-app purchases.
Which has better reviews, ČSOB Smart klíč or KB Klíč?
KB Klíč is rated higher. ČSOB Smart klíč averages 4.3 out of 5 from 32 ratings, while KB Klíč averages 4.7 from 124 ratings.
Do ČSOB Smart klíč or KB Klíč have ads?
Neither ČSOB Smart klíč nor KB Klíč shows ads.
Which is updated more often, ČSOB Smart klíč or KB Klíč?
ČSOB Smart klíč ships an update every 6 weeks, and KB Klíč every 2 months. Most recently, ČSOB Smart klíč was updated on August 19, 2026 and KB Klíč on July 5, 2026.

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