# ČSOB Smart klíč vs Skip Pay

The clearest difference is review sentiment: Skip Pay at 60% against ČSOB Smart klíč's 33%. Skip Pay also leads on rating (4.7 vs 4.3) and update cadence (every 9 days vs every 6 weeks). ČSOB Smart klíč's advantage is ratings volume (32 vs 3) and monetization model (free vs ad-supported). On price, ads, in-app purchases and device support there is nothing between them.

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

Skip Pay holds the better App Store score, 4.7 against 4.3. That said, the two scores are not equally well evidenced: ČSOB Smart klíč has 32 ratings behind it against 3, 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 60% of Skip Pay's.

ČSOB Smart klíč ships an update every 6 weeks, Skip Pay every 9 days. The most recent releases landed on August 19, 2026 and September 18, 2026 respectively.

## The numbers

| Metric | ČSOB Smart klíč | Skip Pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.3 (32 ratings)](https://appshunter.io/ios/app/csob-smart-klic/id990273436/reviews) | **[4.7 (3 ratings)](https://appshunter.io/ios/app/skip-pay/id1450758826/reviews)** |
| Number of ratings | **32** | 3 |
| Positive reviews | 33.3% of reviews | **60.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 6 weeks | **Every 9 days** |
| Monetization | **Free** | Ad-supported |
| Size | 113 MB | 100 MB |
| Requires iOS | 15.0 | 15.0 |
| Devices | **iPhone, iPad, iPod, Apple Watch** | iPhone, iPod, Apple Watch |
| Age rating | 4+ | 4+ |
| Developer | [Československá obchodní banka, a.s.](https://appshunter.io/developer/479852418) | [Skip Pay s.r.o.](https://appshunter.io/developer/1450758825) |

## What reviewers say

### ČSOB Smart klíč

[App page](https://appshunter.io/ios/app/csob-smart-klic/id990273436)

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:** Apple Watch app

**In-app purchases:** none


### Skip Pay

[App page](https://appshunter.io/ios/app/skip-pay/id1450758826)

Manage all your purchases, activate a virtual card, and view your PIN.  Enjoy benefits like paying up to 50 days later, splitting payments, and earning rewards.

**Highlights:** Manage all purchases in one place, Activate virtual card, View PIN anytime, Check loyalty balance and redeem points, Pay up to 50 days later, Split payments into installments, Send money to any Czech account

**Features:** Apple Watch app, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is ČSOB Smart klíč free?

ČSOB Smart klíč is free to download, with no in-app purchases.

### Is Skip Pay free?

Skip Pay is free to download, with no in-app purchases.

### Which has better reviews, ČSOB Smart klíč or Skip Pay?

Skip Pay is rated higher. ČSOB Smart klíč averages 4.3 out of 5 from 32 ratings, while Skip Pay averages 4.7 from 3 ratings.

### Do ČSOB Smart klíč or Skip Pay have ads?

Neither ČSOB Smart klíč nor Skip Pay shows ads.

### Which is updated more often, ČSOB Smart klíč or Skip Pay?

ČSOB Smart klíč ships an update every 6 weeks, and Skip Pay every 9 days. Most recently, ČSOB Smart klíč was updated on August 19, 2026 and Skip Pay 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.*