# ČSOB Smart klíč vs IBIS InGold

The clearest difference is update cadence: IBIS InGold at every 2 weeks against ČSOB Smart klíč's every 6 weeks. ČSOB Smart klíč's advantage is review sentiment (33% vs 25%). 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.

ČSOB Smart klíč ships an update every 6 weeks, IBIS InGold every 2 weeks. The most recent releases landed on August 19, 2026 and June 1, 2026 respectively.

## The numbers

| Metric | ČSOB Smart klíč | IBIS InGold |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.3 (32 ratings)](https://appshunter.io/ios/app/csob-smart-klic/id990273436/reviews)** | — |
| Number of ratings | **32** | — |
| Positive reviews | **33.3% of reviews** | 25.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 6 weeks | **Every 2 weeks** |
| Monetization | Free | Free |
| Size | 113 MB | 44 MB |
| Requires iOS | **15.0** | 16 |
| Devices | **iPhone, iPad, iPod, Apple Watch** | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Československá obchodní banka, a.s.](https://appshunter.io/developer/479852418) | [IBIS InGold a.s](https://appshunter.io/developer/1583954826) |

## 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


### IBIS InGold

[App page](https://appshunter.io/ios/app/ibis-ingold/id1556249698)

Securely pay and receive payments using gold, bypassing traditional currency. Manage your gold balances, make fast payments via QR code or NFC, and confirm transactions with robust security features.

**Highlights:** Pay with gold, Send and receive gold payments, QR code payments, NFC payments, Biometric authentication, Manage multiple user accounts, Overview of gold balances

**Features:** macOS Compatibility

**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 IBIS InGold free?

IBIS InGold is free to download, with no in-app purchases.

### Do ČSOB Smart klíč or IBIS InGold have ads?

Neither ČSOB Smart klíč nor IBIS InGold shows ads.

### Which is updated more often, ČSOB Smart klíč or IBIS InGold?

ČSOB Smart klíč ships an update every 6 weeks, and IBIS InGold every 2 weeks. Most recently, ČSOB Smart klíč was updated on August 19, 2026 and IBIS InGold on June 1, 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.*