Comparison

SBIC Personal Mobile vs SBI Authenticator

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

SBIC Personal Mobile

Manage your finances on the go with this mobile banking application. Check balances, transfer funds between accounts, pay bills, deposit checks, and send money to others directly from your device.

Highlights
  • Check account balances
  • Transfer funds between accounts
  • Schedule bill payments
  • Deposit checks remotely
  • Send and receive person-to-person payments
Features
Read full description

Start banking wherever you are with SBIC Personal Mobile for mobile banking! Available to all State Bank of India (California) consumer online banking customers SBIC Personal Mobile allows you to check balances, make transfers, pay bills, make deposits, and person to person payments. Available features include: Accounts - Check your latest account balance and search recent transactions by date, amount, or check number. Transfers - Easily transfer cash between your accounts. Bill Pay -Schedule one time payments Check Deposit - Deposit checks while on the go. Person to Person Payments - Send money immediately to another Person - Claim money received while on the go All features may not be available in the tablet application.

About

SBI Authenticator

This app provides a secure and convenient way to authenticate digital banking transactions, reducing reliance on SMS OTPs. It offers multiple authentication methods like prompt-based approvals and QR code scanning for enhanced security.

Highlights
  • Secure authentication
  • Reduces SMS OTP dependency
  • Prompt-based approvals
  • QR code scanning
  • App-based OTP
  • Supports SBI Yono Lite, RINB, MINB
Read full description

The SBI Authenticator is a secure, efficient and user-friendly authentication solution developed by the State Bank of India to enhance the safety and convenience of your digital banking experience. This app is designed to reduce dependency on traditional SMS-based One-Time Passwords (OTPs) and enables more secure and seamless authentication methods for both financial and non-financial transactions across SBI Yono Lite, Yono Net Banking and Merchant Internet Banking (MINB) platforms. As digital banking grows, so does the need for robust, real-time authentication. The SBI Authenticator empowers users with multiple authentication options, including prompt-based approvals, QR code scanning and authentication using app-based OTP, offering a modern, secure and reliable alternative to SMS OTPs. With this Authenticator app, users can set their preferred authentication modes for various SBI channels that they use.

Screenshots

SBIC Personal Mobile4 screens
SBI Authenticator4 screens

Verdict

The call

The clearest difference is rating: SBIC Personal Mobile at 3.1 against SBI Authenticator's 1.2. SBIC Personal Mobile also leads on device support (3 vs 1) and iOS requirement (11.0 vs 17.0). SBI Authenticator's advantage is update cadence (every 2 months vs every 10 months) and review sentiment (22% vs 0%). On price, ratings volume, 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

SBIC Personal Mobile holds the better App Store score, 3.1 against 1.2. Both are backed by a comparable volume of ratings — 10 and 24 respectively. Written reviews complicate that: 0% of SBIC Personal Mobile's written reviews are positive against 22% of SBI Authenticator's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

SBIC Personal Mobile ships an update every 10 months, SBI Authenticator every 2 months. The most recent releases landed on September 25, 2026 and October 16, 2026 respectively.

Scorecard5 real differences · 5 level
SBIC Personal Mobile versus SBI Authenticator: the parameters behind the verdict, then further details
ParameterSBIC Personal MobileSBI Authenticator
PriceFreeFree
Rating3.1 (10 ratings) — better1.2 (24 ratings)
Positive reviews0.0% of reviews21.7% of reviews — better
Number of ratings1024 — better
Update frequencyEvery 10 monthsEvery 2 months — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone
Requires iOS11.0 — better17.0
Further details — not scored
Size89 MB72 MB
Age rating4+4+
DeveloperState Bank of India (California)State Bank of India

Customer experience

SBIC Personal Mobile

All ratings10 ratings
Positive50.0%
Neutral10.0%
Negative40.0%
Written reviews3 reviews
Positive0.0%
Neutral33.3%
Negative66.7%

SBI Authenticator

All ratings24 ratings
Positive4.2%
Neutral0.0%
Negative95.8%
Written reviews60 reviews
Positive21.7%
Neutral6.7%
Negative71.7%

In-app purchases

None

SBIC Personal Mobile

No in-app purchases

None

SBI Authenticator

No in-app purchases

Questions

Is SBIC Personal Mobile free?
SBIC Personal Mobile is free to download, with no in-app purchases.
Is SBI Authenticator free?
SBI Authenticator is free to download, with no in-app purchases.
Which has better reviews, SBIC Personal Mobile or SBI Authenticator?
SBIC Personal Mobile is rated higher. SBIC Personal Mobile averages 3.1 out of 5 from 10 ratings, while SBI Authenticator averages 1.2 from 24 ratings.
Do SBIC Personal Mobile or SBI Authenticator have ads?
Neither SBIC Personal Mobile nor SBI Authenticator shows ads.
Which is updated more often, SBIC Personal Mobile or SBI Authenticator?
SBIC Personal Mobile ships an update every 10 months, and SBI Authenticator every 2 months. Most recently, SBIC Personal Mobile was updated on September 25, 2026 and SBI Authenticator on October 16, 2026.

Other comparisons