ČSOB Smart

ČSOB Smart

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ČSOB Smart: Your Complete Financial World in One Secure App

Experience the ultimate convenience of managing your bank accounts, investments, and insurance from anywhere. Secure your future with Face ID, pay instantly via QR codes, and take total control of your cards with the top-rated app for your mobile-first lifestyle.

Publisher

Ceskoslovenska obchodni banka, a.s.

Category

Finance

Downloads

855K+

User Rating

4.8/5

Total Ratings

137K+

Locales

3

Your Bank at a Glance

Discover the interface used by 855K+ users.

Introductory screen of the ČSOB Smart mobile banking app showing key features like secure access and virtual assistant Kate

Introductory screen of the ČSOB Smart mobile banking app showing key features like secure access and virtual assistant Kate

Smartphone displaying the CSOB Smart mobile banking login and registration page.

Smartphone displaying the CSOB Smart mobile banking login and registration page.

Dashboard of the CSOB Smart mobile banking app showing account balances, mortgage, and insurance details.

Dashboard of the CSOB Smart mobile banking app showing account balances, mortgage, and insurance details.

CSOB Smart mobile app payment screen showing account details and QR code payment options

CSOB Smart mobile app payment screen showing account details and QR code payment options

Mobile screen of the CSOB Smart banking app showing payment card management and weekly spending limits.

Mobile screen of the CSOB Smart banking app showing payment card management and weekly spending limits.

ČSOB Smart mobile banking dashboard in dark mode displaying account balances and financial products

ČSOB Smart mobile banking dashboard in dark mode displaying account balances and financial products

Mobile banking chat with virtual assistant Kate to change card payment limits

Mobile banking chat with virtual assistant Kate to change card payment limits

Banking and Insurance, Reimagined

The tools that make this app stand out, trusted by 855K+ users.

🏦

Unified Financial Command

From daily spending and savings to mortgages and investment portfolios, oversee your entire wealth in a single glance.

🛡️

Bank-Grade Security

Protect your assets with biometric authentication and take full control of your cards with instant locking and PIN recovery.

📄

Smart Digital Management

Pay bills via QR codes and manage insurance claims or travel documents digitally, eliminating the need for physical paperwork.

Loved by users worldwide

Trusted by 855K+ people who love this app.

"

"As someone managing accounts across borders, ČSOB Smart is a game-changer. I can handle my mortgage, insurance, and daily payments all in one interface. The QR code scanner for invoices saves me so much time, and the biometric security gives me total peace of mind."

Marek V.
"

"The card control features are incredible. I had to temporarily lock my card while traveling and doing it instantly in the app was so stress-free. Plus, having all my insurance documents and the ability to report claims directly on my phone makes this the ultimate financial tool."

Sarah K.

Review Analysis

Insights from user reviews.

Sentiment Score

34%
Negative

Summary

The app receives largely negative feedback, despite some users appreciating its overall ease of use and consistency. Many users report significant issues, including frequent app crashes (specifically noted on iOS 26 after updates), performance problems, slow payment processing, and general unreliability. There is widespread frustration over the mandatory separate "Smart Key" app, persistent marketing advertisements, and the unhelpful "Kate" AI assistant. Additionally, users frequently highlight missing critical features such as detailed transaction history, proper payee management, and integrated investment overviews.

Common Themes

Overall Satisfaction(11)
Ease of Use & Clarity(4)
Transaction Management(3)
Performance & Responsiveness(2)
App Consistency & Stability(2)
Security(1)

About the app

Everything you need to know about ČSOB Smart.

Description

With ČSOB Smart you have the whole bank and insurance company in your mobile. You are not a client yet? It is not a problem, you can become one right in the app – opening a current account takes only few minutes. Why it is great to have ČSOB Smart: 1. Your money is safe, it is protected not only by your bank identity, but also by Face ID or Touch ID. 2. You always know how much money you have, both in your current and savings account, and even on investments account. 3. It makes payments easy, even invoice payment, thanks to the possibility to scan it from a QR code. 4. You have a perfect control of accounts, mortgages, loans, insurance and other ČSOB products. 5. You can change your card limit, display forgotten PIN code, or temporarily lock the card, and it all takes no time. 6. It allows you to easily arrange a loan, savings, investments, travel insurance and other products. 7. Here you may manage your insurance contracts, report an insurance event and monitor its handling progress. You can also find here your insurance documents, such as your Green Card. 8. You can customize it according to your needs, adjust the order of the products or set the dark mode of an app. And that's not all! You can explore more features after downloading it.

Latest Version

15.5.6

Size

267.6 MB

First Released

Nov 4, 2020

Take Full Control of Your Financial World

Join over 855,000 users who manage banking, insurance, and investments in one secure, all-in-one app. Download ČSOB Smart today and experience the future of digital finance.

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FAQ

Frequently Asked Questions

Everything you need to know about ČSOB Smart

What is the ČSOB Smart app?

ČSOB Smart is a mobile application that provides comprehensive banking and insurance services directly on your mobile device.

Can I open an account with ČSOB Smart if I am not a client?

Yes, you can become a client and open a current account directly within the ČSOB Smart app in just a few minutes.

How does ČSOB Smart ensure the security of my money?

ČSOB Smart protects your money using your bank identity, enhanced with biometric authentication like Face ID or Touch ID for security.

Can I check all my ČSOB account balances in ČSOB Smart?

Yes, ČSOB Smart allows you to view balances for your current, savings, and investment accounts, providing a complete financial overview.

Does ČSOB Smart support QR code payments?

Yes, ČSOB Smart makes payments easy, supporting invoice payments by scanning QR codes directly within the application.

Can I manage my ČSOB payment cards within ČSOB Smart?

Yes, ČSOB Smart allows you to change card limits, display forgotten PIN codes, or temporarily lock your payment card quickly.

Can I arrange new ČSOB financial products using ČSOB Smart?

Yes, ČSOB Smart enables you to easily arrange loans, savings, investments, travel insurance, and other ČSOB products directly.

Does the ČSOB Smart app offer a dark mode?

Yes, ČSOB Smart allows customization, including setting a dark mode to adjust the app's appearance according to your preferences.

Does ČSOB Smart include a virtual assistant?

Yes, ČSOB Smart features a virtual assistant named Kate, who assists users with various banking inquiries and tasks within the app.

Is opening an account through the ČSOB Smart app free?

Yes, opening an account with ČSOB Smart is free, and the process takes only a few minutes directly within the application.