PTOFCU vs Metro Bank Authenticator
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
PTOFCU
Manage your accounts conveniently 24/7 from your mobile device. Access account summaries, transfer funds, pay bills, and deposit checks remotely. Find nearby ATMs and branches with an integrated locator.
- Account Summary
- Fund Transfers
- Bill Payment
- Remote Deposit Capture
- ATM/Branch Locator
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The Patent and Trademark Office FCU you can now access your accounts 24/7 on the go. Features include Account Summary, Transfers, Account Information, Bill Pay, Remote Deposit Capture, ATM/Branch Locator, and more!
Metro Bank Authenticator
This app provides a secure and convenient way for Metro Bank Business customers to authenticate online banking actions. It replaces the need for a physical security device, allowing for quick verification of logins, payments, and account changes directly from your mobile.
- Authenticate online banking actions
- Secure login verification
- Approve new payment setups
- Confirm account changes
- Replaces physical security devices
- Convenient mobile authentication
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We believe that people come first, and that everyone deserves a great experience every step of the way – whether it’s on our app, online or face to face. We’re here to make your life (and your banking) easier, which is why we’ve created our Authenticator app for our Metro Bank Business customers. Need some help? Our Local Business Managers and Relationship Managers are on hand to support you and your business. Features: You can use this app to authenticate certain actions on your Metro Bank Business online banking, like logging in, setting up new payments, or making changes to your account. It only takes a few taps – and there’s no need to worry about finding your physical security device. Metro Bank’s Authenticator app is available for customers registered for Commercial Online Banking and Business Online Plus. Standard data charges from your mobile service provider may apply. Help and support: If you experience any issues downloading or registering the Metro Bank Authenticator app, please visit us in store or call us on 0345 08 08 500. Metro Bank PLC. Registered in England and Wales. Company number: 6419578. Registered office: One Southampton Row, London, WC1B 5HA. We are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority. Metro Bank PLC is an independent UK Bank - it is not affiliated with any other bank or organisation (including the METRO newspaper or its publishers) anywhere in the world. "Metrobank" is the registered trademark of Metro Bank PLC. more
Screenshots
Verdict
The clearest difference is update cadence: PTOFCU at every 5 months against Metro Bank Authenticator's every 12 months. On price, ads, in-app purchases and monetization model 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
PTOFCU ships an update every 5 months, Metro Bank Authenticator every 12 months. The most recent releases landed on October 24, 2026 and October 29, 2026 respectively.
| Parameter | PTOFCU | Metro Bank Authenticator |
|---|---|---|
| Price | Free | Free |
| Rating | 3.0 (2 ratings) — better | — |
| Positive reviews | — | 0.0% of reviews |
| Number of ratings | 2 — better | — |
| Update frequency | Every 5 months — better | Every 12 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 14.0 | 14.0 |
| Further details — not scored | ||
| Size | 31 MB | 12 MB |
| Age rating | 4+ | 4+ |
| Developer | PTO FCU | MetroBank |
Customer experience
PTOFCU
Metro Bank Authenticator
In-app purchases
PTOFCU
No in-app purchases
Metro Bank Authenticator
No in-app purchases
Questions
Is PTOFCU free?
Is Metro Bank Authenticator free?
Do PTOFCU or Metro Bank Authenticator have ads?
Which is updated more often, PTOFCU or Metro Bank Authenticator?
Other comparisons
